SWICA FAVORIT TELMED — Region 3, Lucerne
Region 3, Lucerne: the FAVORIT TELMED model from SWICA costs CHF 476.70 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 476.70, FAVORIT TELMED 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 TELMED costs CHF 565.20 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 476.70 | CHF 443.30 |
| 500 | CHF 465.00 | CHF 432.50 |
| 1'000 | CHF 441.10 | CHF 410.20 |
| 1'500 | CHF 411.90 | CHF 383.10 |
| 2'000 | CHF 382.80 | CHF 356.00 |
| 2'500 | CHF 353.60 | CHF 328.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 369.40 | CHF 343.50 |
| 500 | CHF 357.70 | CHF 332.70 |
| 1'000 | CHF 328.50 | CHF 305.50 |
| 1'500 | CHF 299.40 | CHF 278.40 |
| 2'000 | CHF 270.20 | CHF 251.30 |
| 2'500 | CHF 241.00 | CHF 224.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.80 | CHF 117.00 |
| 200 | CHF 114.20 | CHF 106.20 |
| 400 | CHF 102.50 | CHF 95.30 |
| 600 | CHF 90.80 | CHF 84.50 |
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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.