Assura-Basis PharMed — Region 2, Zurich
Region 2, Zurich: the PharMed model from Assura-Basis costs CHF 504.60 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 504.60, PharMed is not the lowest premium here: Agrisano goes down to CHF 467.90. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PharMed costs CHF 747.60 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.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 504.60 | CHF 469.30 |
| 500 | CHF 493.00 | CHF 458.50 |
| 1'000 | CHF 463.80 | CHF 431.40 |
| 1'500 | CHF 434.60 | CHF 404.20 |
| 2'000 | CHF 405.50 | CHF 377.20 |
| 2'500 | CHF 376.30 | CHF 350.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 358.30 | CHF 333.30 |
| 500 | CHF 346.70 | CHF 322.50 |
| 1'000 | CHF 317.50 | CHF 295.30 |
| 1'500 | CHF 288.30 | CHF 268.20 |
| 2'000 | CHF 259.20 | CHF 241.10 |
| 2'500 | CHF 230.00 | CHF 213.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.60 | CHF 105.70 |
| 100 | CHF 107.80 | CHF 100.30 |
| 200 | CHF 102.00 | CHF 94.90 |
| 300 | CHF 96.10 | CHF 89.40 |
| 400 | CHF 90.30 | CHF 84.00 |
| 500 | CHF 84.50 | CHF 78.60 |
| 600 | CHF 78.60 | CHF 73.10 |
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 1
- 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
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.