callmed 24 or casamed hmo — Region 3, Bern
Region 3, Bern: with Vivao Sympany, callmed 24 costs CHF 516.00 a month in 2026 and casamed hmo CHF 524.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
callmed 24 is the cheaper of the two here: CHF 104.40 saved per year against casamed hmo, 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 516.00 | CHF 524.70 | CHF 104.40 |
| 500 | CHF 504.30 | CHF 513.10 | CHF 105.60 |
| 1'000 | CHF 475.20 | CHF 483.90 | CHF 104.40 |
| 1'500 | CHF 446.00 | CHF 454.70 | CHF 104.40 |
| 2'000 | CHF 416.80 | CHF 425.60 | CHF 105.60 |
| 2'500 | CHF 387.70 | CHF 396.40 | CHF 104.40 |
The comparison, region by region
- callmed 24 or casamed hmo?
- 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
- 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.