PharMed or Qualimed — Region 2, Zurich
Region 2, Zurich: with Assura-Basis, PharMed costs CHF 504.60 a month in 2026 and Qualimed CHF 498.90, 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 68.40 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 504.60 | CHF 498.90 | CHF 68.40 |
| 500 | CHF 493.00 | CHF 487.30 | CHF 68.40 |
| 1'000 | CHF 463.80 | CHF 458.10 | CHF 68.40 |
| 1'500 | CHF 434.60 | CHF 428.90 | CHF 68.40 |
| 2'000 | CHF 405.50 | CHF 399.80 | CHF 68.40 |
| 2'500 | CHF 376.30 | CHF 370.60 | CHF 68.40 |
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 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 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.