PharMed or Qualimed — Region 3, Zurich
Region 3, Zurich: with Assura-Basis, PharMed costs CHF 466.90 a month in 2026 and Qualimed CHF 454.00, 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 154.80 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 466.90 | CHF 454.00 | CHF 154.80 |
| 500 | CHF 455.30 | CHF 442.40 | CHF 154.80 |
| 1'000 | CHF 426.10 | CHF 413.20 | CHF 154.80 |
| 1'500 | CHF 396.90 | CHF 384.00 | CHF 154.80 |
| 2'000 | CHF 367.80 | CHF 354.90 | CHF 154.80 |
| 2'500 | CHF 338.60 | CHF 325.70 | CHF 154.80 |
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 2
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.