Hausspital or PharMed — Aargau
Aargau: with Assura-Basis, Hausspital costs CHF 544.90 a month in 2026 and PharMed CHF 501.90, 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 516.00 saved per year against Hausspital, for cover identical under the law. What you pay more or less for is the care pathway.
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 price at every deductible
| Deductible | Hausspital | PharMed | Gap per year |
|---|---|---|---|
| 300 | CHF 544.90 | CHF 501.90 | CHF 516.00 |
| 500 | CHF 533.30 | CHF 490.30 | CHF 516.00 |
| 1'000 | CHF 504.10 | CHF 461.10 | CHF 516.00 |
| 1'500 | CHF 474.90 | CHF 431.90 | CHF 516.00 |
| 2'000 | CHF 445.80 | CHF 402.80 | CHF 516.00 |
| 2'500 | CHF 416.60 | CHF 373.60 | CHF 516.00 |
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.