PharMed or Réseau de soins — Geneva
Geneva: with Assura-Basis, PharMed costs CHF 604.30 a month in 2026 and Réseau de soins CHF 609.20, 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 58.80 saved per year against Réseau de soins, 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 604.30 | CHF 609.20 | CHF 58.80 |
| 500 | CHF 592.70 | CHF 597.60 | CHF 58.80 |
| 1'000 | CHF 563.50 | CHF 568.40 | CHF 58.80 |
| 1'500 | CHF 534.30 | CHF 539.20 | CHF 58.80 |
| 2'000 | CHF 505.20 | CHF 510.10 | CHF 58.80 |
| 2'500 | CHF 476.00 | CHF 480.90 | CHF 58.80 |
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.