casamed hmo or casamed pharm — Region 3, Bern
Region 3, Bern: with Vivao Sympany, casamed hmo costs CHF 524.70 a month in 2026 and casamed pharm CHF 513.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
casamed pharm is the cheaper of the two here: CHF 139.20 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 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 524.70 | CHF 513.10 | CHF 139.20 |
| 500 | CHF 513.10 | CHF 501.40 | CHF 140.40 |
| 1'000 | CHF 483.90 | CHF 472.30 | CHF 139.20 |
| 1'500 | CHF 454.70 | CHF 443.10 | CHF 139.20 |
| 2'000 | CHF 425.60 | CHF 413.90 | CHF 140.40 |
| 2'500 | CHF 396.40 | CHF 384.80 | CHF 139.20 |
The comparison, region by region
- casamed hmo or casamed pharm?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.