PharMed or Qualimed — Region 1, Bern
Region 1, Bern: with Assura-Basis, PharMed costs CHF 592.90 a month in 2026 and Qualimed CHF 589.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Qualimed is the cheaper of the two here: CHF 40.80 saved per year against PharMed, 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 Qualimed are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
The price at every deductible
| Deductible | PharMed | Qualimed | Gap per year |
|---|---|---|---|
| 300 | CHF 592.90 | CHF 589.50 | CHF 40.80 |
| 500 | CHF 581.30 | CHF 577.90 | CHF 40.80 |
| 1'000 | CHF 552.10 | CHF 548.70 | CHF 40.80 |
| 1'500 | CHF 522.90 | CHF 519.50 | CHF 40.80 |
| 2'000 | CHF 493.80 | CHF 490.40 | CHF 40.80 |
| 2'500 | CHF 464.60 | CHF 461.20 | CHF 40.80 |
The comparison, region by region
- PharMed or Qualimed?
- Aargau
- 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
- 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.