Assura-Basis PharMed — Region 2, Lucerne

Region 2, Lucerne: the PharMed model from Assura-Basis costs CHF 456.60 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 456.60, PharMed is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.

On average, PharMed costs CHF 711.60 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.

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.