Cheapest Swiss Basic PlansPharMed Pharmacy ModelVaud HQ

Assura PharMed

by Assura

★★★☆☆3.7(6,210 reviews)

Assura is a Swiss insurer headquartered in Pully (Vaud) renowned for some of the lowest basic insurance premiums in the country. Its PharMed model redirects first contact through a pharmacy network to enable cost savings — same statutory Lamal benefits at significantly lower monthly cost.

Monthly Premium

CHF 270 - CHF 440

Deductible

CHF 300 - CHF 2,500

Coverage Type

basic

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✓Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Lowest or near-lowest premiums in many cantons
✓Pharmacy-first model suits minor ailment management
✓Statutory benefits identical to pricier plans

Cons

✗Customer satisfaction rated below market average
✗Pharmacy-first model frustrates those wanting direct GP access

Editorial Review

“Assura's price leadership is a testament to operational discipline — because statutory Lamal benefits are fixed by law, Assura's lower premiums represent genuine savings with no trade-off in what is actually covered.”

— ExpatSavvy Cheapest Swiss Insurance 2026; Assicurandum.ch 2025 Premium Data