casamed hmo or casamed pharm — Neuchâtel
Neuchâtel: with Vivao Sympany, casamed hmo costs CHF 690.80 a month in 2026 and casamed pharm CHF 714.60, 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 285.60 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 690.80 | CHF 714.60 | CHF 285.60 |
| 500 | CHF 679.20 | CHF 703.00 | CHF 285.60 |
| 1'000 | CHF 650.00 | CHF 673.80 | CHF 285.60 |
| 1'500 | CHF 620.80 | CHF 644.60 | CHF 285.60 |
| 2'000 | CHF 591.70 | CHF 615.50 | CHF 285.60 |
| 2'500 | CHF 562.50 | CHF 586.30 | CHF 285.60 |
The comparison, region by region
- casamed hmo or casamed pharm?
- 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 1
- Lucerne — Region 2
- Lucerne — Region 3
- 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.