casamed hmo or casamed médecin de famille — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Vivao Sympany, casamed hmo costs CHF 459.40 a month in 2026 and casamed médecin de famille CHF 475.20, 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 casamed médecin de famille, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
casamed hmo is a "Group practice (HMO)" model. casamed médecin de famille is a "Family doctor" model.
- casamed hmo
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- casamed médecin de famille
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | casamed hmo | casamed médecin de famille | Gap per year |
|---|---|---|---|
| 300 | CHF 459.40 | CHF 475.20 | CHF 189.60 |
| 500 | CHF 447.70 | CHF 463.60 | CHF 190.80 |
| 1'000 | CHF 418.60 | CHF 434.40 | CHF 189.60 |
| 1'500 | CHF 389.40 | CHF 405.20 | CHF 189.60 |
| 2'000 | CHF 360.20 | CHF 376.10 | CHF 190.80 |
| 2'500 | CHF 331.10 | CHF 346.90 | CHF 189.60 |
The comparison, region by region
- casamed hmo or casamed médecin de famille?
- Aargau
- Appenzell Innerrhoden
- 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
- 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.