callmed 24 or FlexHelp 24 — Obwalden
Obwalden: with Vivao Sympany, callmed 24 costs CHF 444.20 a month in 2026 and FlexHelp 24 CHF 434.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FlexHelp 24 is the cheaper of the two here: CHF 120.00 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. 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 444.20 | CHF 434.20 | CHF 120.00 |
| 500 | CHF 432.50 | CHF 422.50 | CHF 120.00 |
| 1'000 | CHF 403.30 | CHF 393.30 | CHF 120.00 |
| 1'500 | CHF 374.20 | CHF 364.20 | CHF 120.00 |
| 2'000 | CHF 345.00 | CHF 335.00 | CHF 120.00 |
| 2'500 | CHF 315.80 | CHF 305.80 | CHF 120.00 |
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
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- 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.