SWICA FAVORIT SANTE — Region 2, Lucerne
Region 2, Lucerne: the FAVORIT SANTE model from SWICA costs CHF 476.60 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 476.60, FAVORIT SANTE 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 SANTE costs CHF 891.60 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 476.60 | CHF 443.20 |
| 500 | CHF 464.90 | CHF 432.40 |
| 1'000 | CHF 441.30 | CHF 410.40 |
| 1'500 | CHF 412.10 | CHF 383.20 |
| 2'000 | CHF 377.40 | CHF 351.00 |
| 2'500 | CHF 348.20 | CHF 323.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 374.00 | CHF 347.80 |
| 500 | CHF 362.30 | CHF 337.00 |
| 1'000 | CHF 343.50 | CHF 319.50 |
| 1'500 | CHF 314.30 | CHF 292.30 |
| 2'000 | CHF 276.90 | CHF 257.50 |
| 2'500 | CHF 247.70 | CHF 230.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 129.00 | CHF 120.00 |
| 200 | CHF 120.00 | CHF 111.60 |
| 400 | CHF 108.40 | CHF 100.80 |
| 600 | CHF 96.70 | CHF 89.90 |
The price, region by region
- 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 3
- Neuchâtel
- 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
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.