Assura-Basis PharMed — Region 2, Bern
Region 2, Bern: the PharMed model from Assura-Basis costs CHF 509.90 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 509.90, PharMed is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PharMed costs CHF 913.20 less per year than Assura-Basis's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 509.90 | CHF 474.30 |
| 500 | CHF 498.30 | CHF 463.50 |
| 1'000 | CHF 469.10 | CHF 436.30 |
| 1'500 | CHF 439.90 | CHF 409.20 |
| 2'000 | CHF 410.80 | CHF 382.10 |
| 2'500 | CHF 381.60 | CHF 354.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 382.50 | CHF 355.80 |
| 500 | CHF 370.90 | CHF 345.00 |
| 1'000 | CHF 341.70 | CHF 317.80 |
| 1'500 | CHF 312.50 | CHF 290.70 |
| 2'000 | CHF 283.40 | CHF 263.60 |
| 2'500 | CHF 254.20 | CHF 236.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 122.50 | CHF 114.00 |
| 100 | CHF 116.70 | CHF 108.60 |
| 200 | CHF 110.90 | CHF 103.20 |
| 300 | CHF 105.00 | CHF 97.70 |
| 400 | CHF 99.20 | CHF 92.30 |
| 500 | CHF 93.40 | CHF 86.90 |
| 600 | CHF 87.50 | CHF 81.40 |
The price, region by region
- Aargau
- Bern — Region 1
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
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.