CASAMED or SMARTMED — Region 2, Lucerne
Region 2, Lucerne: with Aquilana, CASAMED costs CHF 489.70 a month in 2026 and SMARTMED CHF 468.20, 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 258.00 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 489.70 | CHF 468.20 | CHF 258.00 |
| 500 | CHF 478.10 | CHF 458.10 | CHF 240.00 |
| 1'000 | CHF 448.90 | CHF 432.70 | CHF 194.40 |
| 1'500 | CHF 419.80 | CHF 407.40 | CHF 148.80 |
| 2'000 | CHF 390.60 | CHF 382.00 | CHF 103.20 |
| 2'500 | CHF 361.40 | CHF 348.40 | CHF 156.00 |
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 1
- 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.