PharMed or Qualimed — Region 1, Schaffhausen
Region 1, Schaffhausen: with Assura-Basis, PharMed costs CHF 492.00 a month in 2026 and Qualimed CHF 508.70, 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 200.40 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 492.00 | CHF 508.70 | CHF 200.40 |
| 500 | CHF 480.40 | CHF 497.10 | CHF 200.40 |
| 1'000 | CHF 451.20 | CHF 467.90 | CHF 200.40 |
| 1'500 | CHF 422.00 | CHF 438.70 | CHF 200.40 |
| 2'000 | CHF 392.90 | CHF 409.60 | CHF 200.40 |
| 2'500 | CHF 363.70 | CHF 380.40 | CHF 200.40 |
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 2
- Lucerne — Region 3
- Neuchâtel
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- 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.