Hausspital or PharMed?
Assura-Basis offers both: Hausspital and PharMed. They are available together in 5 premium regions, and the cheaper of the two is not the same everywhere.
The cheaper one is not the same everywhere
Across 5 premium regions where both are offered, Hausspital is cheaper in 3 and PharMed in 2. The average gap between them is CHF 247.68 a year.
The gap is widest in Aargau: CHF 516.00 a year.
What you accept in each case
Hausspital and PharMed are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- Hausspital
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 comparison, region by region
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.