Médecin de famille or PharMed — Region 3, Lucerne
Region 3, Lucerne: with Assura-Basis, Médecin de famille costs CHF 457.70 a month in 2026 and PharMed CHF 440.20, 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 210.00 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 457.70 | CHF 440.20 | CHF 210.00 |
| 500 | CHF 446.10 | CHF 428.60 | CHF 210.00 |
| 1'000 | CHF 416.90 | CHF 399.40 | CHF 210.00 |
| 1'500 | CHF 387.70 | CHF 370.20 | CHF 210.00 |
| 2'000 | CHF 358.60 | CHF 341.10 | CHF 210.00 |
| 2'500 | CHF 329.40 | CHF 311.90 | CHF 210.00 |
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 2
- 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.