PharMed or Qualimed — Region 2, Schaffhausen
Region 2, Schaffhausen: with Assura-Basis, PharMed costs CHF 452.60 a month in 2026 and Qualimed CHF 468.10, 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 186.00 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 452.60 | CHF 468.10 | CHF 186.00 |
| 500 | CHF 441.00 | CHF 456.50 | CHF 186.00 |
| 1'000 | CHF 411.80 | CHF 427.30 | CHF 186.00 |
| 1'500 | CHF 382.60 | CHF 398.10 | CHF 186.00 |
| 2'000 | CHF 353.50 | CHF 369.00 | CHF 186.00 |
| 2'500 | CHF 324.30 | CHF 339.80 | CHF 186.00 |
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
- 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
- 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.