CASAMED or SMARTMED — Region 3, Bern
Region 3, Bern: with Aquilana, CASAMED costs CHF 507.80 a month in 2026 and SMARTMED CHF 491.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SMARTMED is the cheaper of the two here: CHF 201.60 saved per year against CASAMED, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
CASAMED is a "Family doctor" model. SMARTMED is a "Telemedicine and others" model.
The price at every deductible
| Deductible | CASAMED | SMARTMED | Gap per year |
|---|---|---|---|
| 300 | CHF 507.80 | CHF 491.00 | CHF 201.60 |
| 500 | CHF 496.20 | CHF 481.00 | CHF 182.40 |
| 1'000 | CHF 467.00 | CHF 455.60 | CHF 136.80 |
| 1'500 | CHF 437.90 | CHF 427.60 | CHF 123.60 |
| 2'000 | CHF 408.70 | CHF 402.40 | CHF 75.60 |
| 2'500 | CHF 379.50 | CHF 372.70 | CHF 81.60 |
The comparison, region by region
- CASAMED or SMARTMED?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.