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casamed hmo or casamed médecin de famille — Region 3, St. Gallen

Region 3, St. Gallen: with Vivao Sympany, casamed hmo costs CHF 448.90 a month in 2026 and casamed médecin de famille CHF 464.70, 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

Deductiblecasamed hmocasamed médecin de familleGap per year
300CHF 448.90CHF 464.70CHF 189.60
500CHF 437.30CHF 453.00CHF 188.40
1'000CHF 408.10CHF 423.80CHF 188.40
1'500CHF 378.90CHF 394.70CHF 189.60
2'000CHF 349.80CHF 365.50CHF 188.40
2'500CHF 320.60CHF 336.30CHF 188.40

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.