Médecin de famille or PharMed — Region 3, Bern
Region 3, Bern: with Assura-Basis, Médecin de famille costs CHF 508.10 a month in 2026 and PharMed CHF 502.30, 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 69.60 saved per year against Médecin de famille, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Médecin de famille and PharMed are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- Médecin de famille
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 | Médecin de famille | PharMed | Gap per year |
|---|---|---|---|
| 300 | CHF 508.10 | CHF 502.30 | CHF 69.60 |
| 500 | CHF 496.50 | CHF 490.70 | CHF 69.60 |
| 1'000 | CHF 467.30 | CHF 461.50 | CHF 69.60 |
| 1'500 | CHF 438.10 | CHF 432.30 | CHF 69.60 |
| 2'000 | CHF 409.00 | CHF 403.20 | CHF 69.60 |
| 2'500 | CHF 379.80 | CHF 374.00 | CHF 69.60 |
The comparison, region by region
- Médecin de famille or PharMed?
- Aargau
- Bern — Region 1
- Bern — Region 2
- 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.