Médecin de famille or PharMed — Region 2, Lucerne
Region 2, Lucerne: with Assura-Basis, Médecin de famille costs CHF 469.50 a month in 2026 and PharMed CHF 456.60, 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 154.80 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 469.50 | CHF 456.60 | CHF 154.80 |
| 500 | CHF 457.90 | CHF 445.00 | CHF 154.80 |
| 1'000 | CHF 428.70 | CHF 415.80 | CHF 154.80 |
| 1'500 | CHF 399.50 | CHF 386.60 | CHF 154.80 |
| 2'000 | CHF 370.40 | CHF 357.50 | CHF 154.80 |
| 2'500 | CHF 341.20 | CHF 328.30 | CHF 154.80 |
The comparison, region by region
- Médecin de famille or PharMed?
- Aargau
- 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 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.