FeminaVita or PharMed — Region 1, Bern
Region 1, Bern: with Assura-Basis, FeminaVita costs CHF 655.00 a month in 2026 and PharMed CHF 592.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
PharMed is the cheaper of the two here: CHF 745.20 saved per year against FeminaVita, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FeminaVita and PharMed are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- FeminaVita
Family doctor
You pick a family doctor and always go to them first.
- PharMed
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | FeminaVita | PharMed | Gap per year |
|---|---|---|---|
| 300 | CHF 655.00 | CHF 592.90 | CHF 745.20 |
| 500 | CHF 643.40 | CHF 581.30 | CHF 745.20 |
| 1'000 | CHF 614.20 | CHF 552.10 | CHF 745.20 |
| 1'500 | CHF 585.00 | CHF 522.90 | CHF 745.20 |
| 2'000 | CHF 555.90 | CHF 493.80 | CHF 745.20 |
| 2'500 | CHF 526.70 | CHF 464.60 | CHF 745.20 |
The comparison, region by region
- FeminaVita or PharMed?
- Aargau
- 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
- Lucerne — Region 3
- Neuchâtel
- 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
- Valais — Region 1
- Valais — 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.