PharMed or Réseau de soins?
Assura-Basis offers both: PharMed and Réseau de soins. They are available together in 8 premium regions, and the cheaper of the two is not the same everywhere.
The cheaper one is not the same everywhere
Across 8 premium regions where both are offered, PharMed is cheaper in 3 and Réseau de soins in 4. The average gap between them is CHF 73.80 a year.
The gap is widest in Vaud — Region 1: CHF 200.40 a year.
What you accept in each case
PharMed is a "Family doctor" model. Réseau de soins is a "Telemedicine and others" model.
- PharMed
Family doctor
You pick a family doctor and always go to them first.
- Réseau de soins
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The comparison, region by region
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.