casamed hmo or casamed pharm — Region 2, Bern
Region 2, Bern: with Vivao Sympany, casamed hmo costs CHF 534.20 a month in 2026 and casamed pharm CHF 534.20, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here casamed hmo and casamed pharm cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
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 534.20 | CHF 534.20 | — |
| 500 | CHF 522.50 | CHF 522.50 | — |
| 1'000 | CHF 493.40 | CHF 493.40 | — |
| 1'500 | CHF 464.20 | CHF 464.20 | — |
| 2'000 | CHF 435.00 | CHF 435.00 | — |
| 2'500 | CHF 405.90 | CHF 405.90 | — |
The comparison, region by region
- casamed hmo or casamed pharm?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.