Assura-Basis PharMed — Region 3, Zurich
Region 3, Zurich: the PharMed model from Assura-Basis costs CHF 466.90 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 466.90, PharMed is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PharMed costs CHF 588.00 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 466.90 | CHF 434.30 |
| 500 | CHF 455.30 | CHF 423.50 |
| 1'000 | CHF 426.10 | CHF 396.30 |
| 1'500 | CHF 396.90 | CHF 369.20 |
| 2'000 | CHF 367.80 | CHF 342.10 |
| 2'500 | CHF 338.60 | CHF 314.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 331.60 | CHF 308.40 |
| 500 | CHF 320.00 | CHF 297.60 |
| 1'000 | CHF 290.80 | CHF 270.50 |
| 1'500 | CHF 261.60 | CHF 243.30 |
| 2'000 | CHF 232.50 | CHF 216.30 |
| 2'500 | CHF 203.30 | CHF 189.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 105.20 | CHF 97.90 |
| 100 | CHF 99.40 | CHF 92.50 |
| 200 | CHF 93.60 | CHF 87.10 |
| 300 | CHF 87.70 | CHF 81.60 |
| 400 | CHF 81.90 | CHF 76.20 |
| 500 | CHF 76.10 | CHF 70.80 |
| 600 | CHF 70.20 | CHF 65.30 |
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.