casamed hmo or casamed pharm — Nidwalden
Nidwalden: with Vivao Sympany, casamed hmo costs CHF 410.70 a month in 2026 and casamed pharm CHF 413.00, 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 27.60 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 410.70 | CHF 413.00 | CHF 27.60 |
| 500 | CHF 399.00 | CHF 401.30 | CHF 27.60 |
| 1'000 | CHF 369.90 | CHF 372.20 | CHF 27.60 |
| 1'500 | CHF 340.70 | CHF 343.00 | CHF 27.60 |
| 2'000 | CHF 311.50 | CHF 313.80 | CHF 27.60 |
| 2'500 | CHF 282.40 | CHF 284.70 | CHF 27.60 |
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
- Neuchâtel
- 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.