PharMed or Réseau de soins — Region 2, Vaud
Region 2, Vaud: with Assura-Basis, PharMed costs CHF 537.30 a month in 2026 and Réseau de soins CHF 552.80, 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 186.00 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 537.30 | CHF 552.80 | CHF 186.00 |
| 500 | CHF 525.70 | CHF 541.20 | CHF 186.00 |
| 1'000 | CHF 496.50 | CHF 512.00 | CHF 186.00 |
| 1'500 | CHF 467.30 | CHF 482.80 | CHF 186.00 |
| 2'000 | CHF 438.20 | CHF 453.70 | CHF 186.00 |
| 2'500 | CHF 409.00 | CHF 424.50 | CHF 186.00 |
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.