CASAMED or SMARTMED — Region 3, Lucerne
Region 3, Lucerne: with Aquilana, CASAMED costs CHF 471.70 a month in 2026 and SMARTMED CHF 451.00, 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 248.40 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 471.70 | CHF 451.00 | CHF 248.40 |
| 500 | CHF 460.10 | CHF 440.90 | CHF 230.40 |
| 1'000 | CHF 430.90 | CHF 415.50 | CHF 184.80 |
| 1'500 | CHF 401.80 | CHF 390.20 | CHF 139.20 |
| 2'000 | CHF 372.60 | CHF 364.80 | CHF 93.60 |
| 2'500 | CHF 343.40 | CHF 331.50 | CHF 142.80 |
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 2
- 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.