callmed 24 or casamed hmo — Region 2, Lucerne
Region 2, Lucerne: with Vivao Sympany, callmed 24 costs CHF 463.50 a month in 2026 and casamed hmo CHF 445.50, 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 216.00 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 463.50 | CHF 445.50 | CHF 216.00 |
| 500 | CHF 451.90 | CHF 433.90 | CHF 216.00 |
| 1'000 | CHF 422.70 | CHF 404.70 | CHF 216.00 |
| 1'500 | CHF 393.50 | CHF 375.50 | CHF 216.00 |
| 2'000 | CHF 364.40 | CHF 346.40 | CHF 216.00 |
| 2'500 | CHF 335.20 | CHF 317.20 | CHF 216.00 |
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 1
- 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.