PharMed or Réseau de soins — Region 2, Fribourg
Region 2, Fribourg: with Assura-Basis, PharMed costs CHF 498.00 a month in 2026 and Réseau de soins CHF 495.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Réseau de soins is the cheaper of the two here: CHF 33.60 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 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 price at every deductible
| Deductible | PharMed | Réseau de soins | Gap per year |
|---|---|---|---|
| 300 | CHF 498.00 | CHF 495.20 | CHF 33.60 |
| 500 | CHF 486.40 | CHF 483.60 | CHF 33.60 |
| 1'000 | CHF 457.20 | CHF 454.40 | CHF 33.60 |
| 1'500 | CHF 428.00 | CHF 425.20 | CHF 33.60 |
| 2'000 | CHF 398.90 | CHF 396.10 | CHF 33.60 |
| 2'500 | CHF 369.70 | CHF 366.90 | CHF 33.60 |
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.