casamed hmo or FlexHelp 24 — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Vivao Sympany, casamed hmo costs CHF 459.40 a month in 2026 and FlexHelp 24 CHF 459.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here casamed hmo and FlexHelp 24 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. FlexHelp 24 is a "Telemedicine and others" model.
- casamed hmo
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- FlexHelp 24
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | casamed hmo | FlexHelp 24 | Gap per year |
|---|---|---|---|
| 300 | CHF 459.40 | CHF 459.40 | — |
| 500 | CHF 447.70 | CHF 447.70 | — |
| 1'000 | CHF 418.60 | CHF 418.60 | — |
| 1'500 | CHF 389.40 | CHF 389.40 | — |
| 2'000 | CHF 360.20 | CHF 360.20 | — |
| 2'500 | CHF 331.10 | CHF 331.10 | — |
The comparison, region by region
- casamed hmo or FlexHelp 24?
- Aargau
- Appenzell Innerrhoden
- 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
- 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.