callmed 24 or casamed hmo — Region 1, Lucerne
Region 1, Lucerne: with Vivao Sympany, callmed 24 costs CHF 476.20 a month in 2026 and casamed hmo CHF 465.50, 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 128.40 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 476.20 | CHF 465.50 | CHF 128.40 |
| 500 | CHF 464.50 | CHF 453.80 | CHF 128.40 |
| 1'000 | CHF 435.40 | CHF 424.70 | CHF 128.40 |
| 1'500 | CHF 406.20 | CHF 395.50 | CHF 128.40 |
| 2'000 | CHF 377.00 | CHF 366.30 | CHF 128.40 |
| 2'500 | CHF 347.90 | CHF 337.20 | CHF 128.40 |
The comparison, region by region
- callmed 24 or casamed hmo?
- 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
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- 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.