CASAMED or SMARTMED — Region 1, Lucerne
Region 1, Lucerne: with Aquilana, CASAMED costs CHF 523.70 a month in 2026 and SMARTMED CHF 500.60, 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 277.20 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 523.70 | CHF 500.60 | CHF 277.20 |
| 500 | CHF 512.10 | CHF 490.70 | CHF 256.80 |
| 1'000 | CHF 482.90 | CHF 465.30 | CHF 211.20 |
| 1'500 | CHF 453.80 | CHF 440.00 | CHF 165.60 |
| 2'000 | CHF 424.60 | CHF 414.60 | CHF 120.00 |
| 2'500 | CHF 395.40 | CHF 380.20 | CHF 182.40 |
The comparison, region by region
- CASAMED or SMARTMED?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- 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.