callmed 24 or FlexHelp 24 — Region 3, Lucerne
Region 3, Lucerne: with Vivao Sympany, callmed 24 costs CHF 436.10 a month in 2026 and FlexHelp 24 CHF 436.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here callmed 24 and FlexHelp 24 cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
What you accept in each case
callmed 24 is a "Family doctor" model. FlexHelp 24 is a "Telemedicine and others" model.
- callmed 24
Family doctor
You pick a family doctor and always go to them first.
- FlexHelp 24
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | callmed 24 | FlexHelp 24 | Gap per year |
|---|---|---|---|
| 300 | CHF 436.10 | CHF 436.10 | — |
| 500 | CHF 424.50 | CHF 424.50 | — |
| 1'000 | CHF 395.30 | CHF 395.30 | — |
| 1'500 | CHF 366.10 | CHF 366.10 | — |
| 2'000 | CHF 337.00 | CHF 337.00 | — |
| 2'500 | CHF 307.80 | CHF 307.80 | — |
The comparison, region by region
- callmed 24 or FlexHelp 24?
- 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
- 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.