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casamed hmo or casamed médecin de famille — Region 3, Bern

Region 3, Bern: with Vivao Sympany, casamed hmo costs CHF 524.70 a month in 2026 and casamed médecin de famille CHF 516.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

casamed médecin de famille is the cheaper of the two here: CHF 104.40 saved per year against casamed hmo, 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

Deductiblecasamed hmocasamed médecin de familleGap per year
300CHF 524.70CHF 516.00CHF 104.40
500CHF 513.10CHF 504.30CHF 105.60
1'000CHF 483.90CHF 475.20CHF 104.40
1'500CHF 454.70CHF 446.00CHF 104.40
2'000CHF 425.60CHF 416.80CHF 105.60
2'500CHF 396.40CHF 387.70CHF 104.40

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.