FAVORIT SANTE or FAVORIT TELMED — Neuchâtel
Neuchâtel: with SWICA, FAVORIT SANTE costs CHF 562.20 a month in 2026 and FAVORIT TELMED CHF 630.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT SANTE is the cheaper of the two here: CHF 823.20 saved per year against FAVORIT TELMED, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FAVORIT SANTE is a "Group practice (HMO)" model. FAVORIT TELMED is a "Telemedicine and others" model.
- FAVORIT SANTE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- FAVORIT TELMED
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | FAVORIT SANTE | FAVORIT TELMED | Gap per year |
|---|---|---|---|
| 300 | CHF 562.20 | CHF 630.80 | CHF 823.20 |
| 500 | CHF 550.60 | CHF 619.10 | CHF 822.00 |
| 1'000 | CHF 528.30 | CHF 596.80 | CHF 822.00 |
| 1'500 | CHF 499.10 | CHF 567.70 | CHF 823.20 |
| 2'000 | CHF 463.10 | CHF 538.50 | CHF 904.80 |
| 2'500 | CHF 433.90 | CHF 509.30 | CHF 904.80 |
The comparison, region by region
- FAVORIT SANTE or FAVORIT TELMED?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Zug
- 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.