callmed 24 or casamed hmo — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Vivao Sympany, callmed 24 costs CHF 475.20 a month in 2026 and casamed hmo CHF 459.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
casamed hmo is the cheaper of the two here: CHF 189.60 saved per year against callmed 24, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
callmed 24 is a "Family doctor" model. casamed hmo is a "Group practice (HMO)" model.
- callmed 24
Family doctor
You pick a family doctor and always go to them first.
- casamed hmo
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | callmed 24 | casamed hmo | Gap per year |
|---|---|---|---|
| 300 | CHF 475.20 | CHF 459.40 | CHF 189.60 |
| 500 | CHF 463.60 | CHF 447.70 | CHF 190.80 |
| 1'000 | CHF 434.40 | CHF 418.60 | CHF 189.60 |
| 1'500 | CHF 405.20 | CHF 389.40 | CHF 189.60 |
| 2'000 | CHF 376.10 | CHF 360.20 | CHF 190.80 |
| 2'500 | CHF 346.90 | CHF 331.10 | CHF 189.60 |
The comparison, region by region
- callmed 24 or casamed hmo?
- Aargau
- Appenzell Innerrhoden
- 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
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.