casamed hmo or casamed médecin de famille — Region 1, Lucerne
Region 1, Lucerne: with Vivao Sympany, casamed hmo costs CHF 465.50 a month in 2026 and casamed médecin de famille CHF 476.20, 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 128.40 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 465.50 | CHF 476.20 | CHF 128.40 |
| 500 | CHF 453.80 | CHF 464.50 | CHF 128.40 |
| 1'000 | CHF 424.70 | CHF 435.40 | CHF 128.40 |
| 1'500 | CHF 395.50 | CHF 406.20 | CHF 128.40 |
| 2'000 | CHF 366.30 | CHF 377.00 | CHF 128.40 |
| 2'500 | CHF 337.20 | CHF 347.90 | CHF 128.40 |
The comparison, region by region
- casamed hmo or casamed médecin de famille?
- 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 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.