PharMed or PreventoMed — Region 2, Bern
Region 2, Bern: with Assura-Basis, PharMed costs CHF 509.90 a month in 2026 and PreventoMed CHF 556.70, 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 561.60 saved per year against PreventoMed, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
PharMed and PreventoMed are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- PharMed
Family doctor
You pick a family doctor and always go to them first.
- PreventoMed
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | PharMed | PreventoMed | Gap per year |
|---|---|---|---|
| 300 | CHF 509.90 | CHF 556.70 | CHF 561.60 |
| 500 | CHF 498.30 | CHF 545.10 | CHF 561.60 |
| 1'000 | CHF 469.10 | CHF 515.90 | CHF 561.60 |
| 1'500 | CHF 439.90 | CHF 486.70 | CHF 561.60 |
| 2'000 | CHF 410.80 | CHF 457.60 | CHF 561.60 |
| 2'500 | CHF 381.60 | CHF 428.40 | CHF 561.60 |
The comparison, region by region
- PharMed or PreventoMed?
- Aargau
- Bern — Region 1
- 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
- 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.