casamed hmo or casamed pharm — Appenzell Innerrhoden

Appenzell Innerrhoden: with Vivao Sympany, casamed hmo costs CHF 360.40 a month in 2026 and casamed pharm CHF 368.80, 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 100.80 saved per year against casamed pharm, 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 pharm is a "Family doctor" model.

casamed hmo
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
casamed pharm
Family doctor
You pick a family doctor and always go to them first.

The price at every deductible

Deductible	casamed hmo	casamed pharm	Gap per year
300	CHF 360.40	CHF 368.80	CHF 100.80
500	CHF 348.70	CHF 357.10	CHF 100.80
1'000	CHF 319.60	CHF 327.90	CHF 99.60
1'500	CHF 290.40	CHF 298.80	CHF 100.80
2'000	CHF 261.20	CHF 269.60	CHF 100.80
2'500	CHF 232.10	CHF 240.40	CHF 99.60

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.

casamed hmo or casamed pharm — Appenzell Innerrhoden

What you accept in each case

The price at every deductible

The comparison, region by region