PharMed or PreventoMed — Region 1, Lucerne
Region 1, Lucerne: with Assura-Basis, PharMed costs CHF 478.80 a month in 2026 and PreventoMed CHF 525.90, 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 565.20 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 478.80 | CHF 525.90 | CHF 565.20 |
| 500 | CHF 467.20 | CHF 514.30 | CHF 565.20 |
| 1'000 | CHF 438.00 | CHF 485.10 | CHF 565.20 |
| 1'500 | CHF 408.80 | CHF 455.90 | CHF 565.20 |
| 2'000 | CHF 379.70 | CHF 426.80 | CHF 565.20 |
| 2'500 | CHF 350.50 | CHF 397.60 | CHF 565.20 |
The comparison, region by region
- PharMed or PreventoMed?
- 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 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.