SWICA FAVORIT MULTICHOICE — Region 3, Lucerne
Region 3, Lucerne: the FAVORIT MULTICHOICE model from SWICA costs CHF 445.30 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 445.30, FAVORIT MULTICHOICE is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FAVORIT MULTICHOICE costs CHF 942.00 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 445.30 | CHF 414.10 |
| 500 | CHF 433.60 | CHF 403.30 |
| 1'000 | CHF 409.70 | CHF 381.00 |
| 1'500 | CHF 380.50 | CHF 353.90 |
| 2'000 | CHF 346.10 | CHF 321.90 |
| 2'500 | CHF 316.90 | CHF 294.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 341.90 | CHF 317.90 |
| 500 | CHF 330.20 | CHF 307.10 |
| 1'000 | CHF 305.00 | CHF 283.60 |
| 1'500 | CHF 275.80 | CHF 256.50 |
| 2'000 | CHF 242.70 | CHF 225.70 |
| 2'500 | CHF 213.50 | CHF 198.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.30 | CHF 105.30 |
| 200 | CHF 104.10 | CHF 96.80 |
| 400 | CHF 92.50 | CHF 86.00 |
| 600 | CHF 80.80 | CHF 75.10 |
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 2
- 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.