Assura-Basis PharMed — Region 2, Schaffhausen
Region 2, Schaffhausen: the PharMed model from Assura-Basis costs CHF 452.60 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 452.60, PharMed is not the lowest premium here: Agrisano goes down to CHF 433.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PharMed costs CHF 740.40 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 452.60 | CHF 421.00 |
| 500 | CHF 441.00 | CHF 410.20 |
| 1'000 | CHF 411.80 | CHF 383.00 |
| 1'500 | CHF 382.60 | CHF 355.90 |
| 2'000 | CHF 353.50 | CHF 328.80 |
| 2'500 | CHF 324.30 | CHF 301.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 355.40 | CHF 330.60 |
| 500 | CHF 343.80 | CHF 319.80 |
| 1'000 | CHF 314.60 | CHF 292.60 |
| 1'500 | CHF 285.40 | CHF 265.50 |
| 2'000 | CHF 256.30 | CHF 238.40 |
| 2'500 | CHF 227.10 | CHF 211.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 96.10 | CHF 89.40 |
| 100 | CHF 90.30 | CHF 84.00 |
| 200 | CHF 84.50 | CHF 78.60 |
| 300 | CHF 78.60 | CHF 73.10 |
| 400 | CHF 72.80 | CHF 67.80 |
| 500 | CHF 67.00 | CHF 62.40 |
| 600 | CHF 61.10 | CHF 56.90 |
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
- Neuchâtel
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- 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.