Assura-Basis PharMed — Region 3, Lucerne

Name: Assura-Basis PharMed — Region 3, Lucerne
Brand: Assura-Basis
Price: 440.2 CHF

Region 3, Lucerne: the PharMed model from Assura-Basis costs CHF 440.20 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 440.20, PharMed is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.

On average, PharMed costs CHF 686.40 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 440.20	CHF 409.40
500	CHF 428.60	CHF 398.60
1'000	CHF 399.40	CHF 371.50
1'500	CHF 370.20	CHF 344.30
2'000	CHF 341.10	CHF 317.30
2'500	CHF 311.90	CHF 290.10

Young adult (19–25)

Deductible	With accident	Without accident
300	CHF 343.50	CHF 319.50
500	CHF 331.90	CHF 308.70
1'000	CHF 302.70	CHF 281.60
1'500	CHF 273.50	CHF 254.40
2'000	CHF 244.40	CHF 227.30
2'500	CHF 215.20	CHF 200.20

Child (0–18)

Deductible	With accident	Without accident
0	CHF 101.50	CHF 94.40
100	CHF 95.70	CHF 89.10
200	CHF 89.90	CHF 83.70
300	CHF 84.00	CHF 78.20
400	CHF 78.20	CHF 72.80
500	CHF 72.40	CHF 67.40
600	CHF 66.50	CHF 61.90

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer Assura-Basis PharMed

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.

Assura-Basis PharMed — Region 3, Lucerne

The full grid

Adult (26 and over)

Young adult (19–25)

Child (0–18)

The price, region by region