Assura-Basis PharMed — Region 1, Lucerne
Region 1, Lucerne: the PharMed model from Assura-Basis costs CHF 478.80 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 478.80, PharMed is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PharMed costs CHF 896.40 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 478.80 | CHF 445.30 |
| 500 | CHF 467.20 | CHF 434.50 |
| 1'000 | CHF 438.00 | CHF 407.40 |
| 1'500 | CHF 408.80 | CHF 380.20 |
| 2'000 | CHF 379.70 | CHF 353.20 |
| 2'500 | CHF 350.50 | CHF 326.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 373.60 | CHF 347.50 |
| 500 | CHF 362.00 | CHF 336.70 |
| 1'000 | CHF 332.80 | CHF 309.60 |
| 1'500 | CHF 303.60 | CHF 282.40 |
| 2'000 | CHF 274.50 | CHF 255.30 |
| 2'500 | CHF 245.30 | CHF 228.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 110.30 | CHF 102.60 |
| 100 | CHF 104.50 | CHF 97.20 |
| 200 | CHF 98.70 | CHF 91.80 |
| 300 | CHF 92.80 | CHF 86.40 |
| 400 | CHF 87.00 | CHF 81.00 |
| 500 | CHF 81.20 | CHF 75.60 |
| 600 | CHF 75.30 | CHF 70.10 |
The price, region by region
- Aargau
- Bern — Region 1
- Bern — Region 2
- 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 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.