PharMed or Qualimed — Geneva
Geneva: with Assura-Basis, PharMed costs CHF 604.30 a month in 2026 and Qualimed CHF 607.80, 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 42.00 saved per year against Qualimed, 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 604.30 | CHF 607.80 | CHF 42.00 |
| 500 | CHF 592.70 | CHF 596.20 | CHF 42.00 |
| 1'000 | CHF 563.50 | CHF 567.00 | CHF 42.00 |
| 1'500 | CHF 534.30 | CHF 537.80 | CHF 42.00 |
| 2'000 | CHF 505.20 | CHF 508.70 | CHF 42.00 |
| 2'500 | CHF 476.00 | CHF 479.50 | CHF 42.00 |
The comparison, region by region
- PharMed or Qualimed?
- 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
- 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.