callmed 24 or casamed hmo — Region 3, St. Gallen
Region 3, St. Gallen: with Vivao Sympany, callmed 24 costs CHF 464.70 a month in 2026 and casamed hmo CHF 448.90, 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 464.70 | CHF 448.90 | CHF 189.60 |
| 500 | CHF 453.00 | CHF 437.30 | CHF 188.40 |
| 1'000 | CHF 423.80 | CHF 408.10 | CHF 188.40 |
| 1'500 | CHF 394.70 | CHF 378.90 | CHF 189.60 |
| 2'000 | CHF 365.50 | CHF 349.80 | CHF 188.40 |
| 2'500 | CHF 336.30 | CHF 320.60 | CHF 188.40 |
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 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- 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.