PharMed or Qualimed — Region 2, Lucerne
Region 2, Lucerne: with Assura-Basis, PharMed costs CHF 456.60 a month in 2026 and Qualimed CHF 459.20, 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 31.20 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 456.60 | CHF 459.20 | CHF 31.20 |
| 500 | CHF 445.00 | CHF 447.60 | CHF 31.20 |
| 1'000 | CHF 415.80 | CHF 418.40 | CHF 31.20 |
| 1'500 | CHF 386.60 | CHF 389.20 | CHF 31.20 |
| 2'000 | CHF 357.50 | CHF 360.10 | CHF 31.20 |
| 2'500 | CHF 328.30 | CHF 330.90 | CHF 31.20 |
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
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- 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.