PharMed or Réseau de soins — Region 1, Vaud
Region 1, Vaud: with Assura-Basis, PharMed costs CHF 578.90 a month in 2026 and Réseau de soins CHF 595.60, 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 200.40 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 578.90 | CHF 595.60 | CHF 200.40 |
| 500 | CHF 567.30 | CHF 584.00 | CHF 200.40 |
| 1'000 | CHF 538.10 | CHF 554.80 | CHF 200.40 |
| 1'500 | CHF 508.90 | CHF 525.60 | CHF 200.40 |
| 2'000 | CHF 479.80 | CHF 496.50 | CHF 200.40 |
| 2'500 | CHF 450.60 | CHF 467.30 | CHF 200.40 |
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.