Assura-Basis PharMed — Neuchâtel
Neuchâtel: the PharMed model from Assura-Basis costs CHF 569.30 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 569.30, PharMed is not the lowest premium here: Visana goes down to CHF 554.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PharMed costs CHF 1'252.80 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 569.30 | CHF 529.50 |
| 500 | CHF 557.70 | CHF 518.70 |
| 1'000 | CHF 528.50 | CHF 491.60 |
| 1'500 | CHF 499.30 | CHF 464.40 |
| 2'000 | CHF 470.20 | CHF 437.30 |
| 2'500 | CHF 441.00 | CHF 410.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 427.00 | CHF 397.20 |
| 500 | CHF 415.40 | CHF 386.40 |
| 1'000 | CHF 386.20 | CHF 359.20 |
| 1'500 | CHF 357.00 | CHF 332.10 |
| 2'000 | CHF 327.90 | CHF 305.00 |
| 2'500 | CHF 298.70 | CHF 277.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 128.20 | CHF 119.30 |
| 100 | CHF 122.40 | CHF 113.90 |
| 200 | CHF 116.60 | CHF 108.50 |
| 300 | CHF 110.70 | CHF 103.00 |
| 400 | CHF 104.90 | CHF 97.60 |
| 500 | CHF 99.10 | CHF 92.20 |
| 600 | CHF 93.20 | CHF 86.70 |
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 1
- Lucerne — Region 2
- Lucerne — Region 3
- 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.