SWICA FAVORIT MULTICHOICE — Region 2, Lucerne
Region 2, Lucerne: the FAVORIT MULTICHOICE model from SWICA costs CHF 484.80 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 484.80, FAVORIT MULTICHOICE is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT MULTICHOICE costs CHF 793.20 less per year than SWICA's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 484.80 | CHF 450.90 |
| 500 | CHF 473.20 | CHF 440.10 |
| 1'000 | CHF 449.50 | CHF 418.10 |
| 1'500 | CHF 420.40 | CHF 390.90 |
| 2'000 | CHF 385.70 | CHF 358.70 |
| 2'500 | CHF 356.50 | CHF 331.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 371.90 | CHF 345.90 |
| 500 | CHF 360.30 | CHF 335.00 |
| 1'000 | CHF 335.20 | CHF 311.80 |
| 1'500 | CHF 306.10 | CHF 284.60 |
| 2'000 | CHF 272.80 | CHF 253.70 |
| 2'500 | CHF 243.60 | CHF 226.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.10 | CHF 114.50 |
| 200 | CHF 114.10 | CHF 106.10 |
| 400 | CHF 102.40 | CHF 95.20 |
| 600 | CHF 90.70 | CHF 84.40 |
The price, region by region
- Aargau
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Geneva
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 3
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Thurgau
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.