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casamed hmo or FlexHelp 24 — Appenzell Innerrhoden

Appenzell Innerrhoden: with Vivao Sympany, casamed hmo costs CHF 360.40 a month in 2026 and FlexHelp 24 CHF 368.80, 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 100.80 saved per year against FlexHelp 24, 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. 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

Deductiblecasamed hmoFlexHelp 24Gap per year
300CHF 360.40CHF 368.80CHF 100.80
500CHF 348.70CHF 357.10CHF 100.80
1'000CHF 319.60CHF 327.90CHF 99.60
1'500CHF 290.40CHF 298.80CHF 100.80
2'000CHF 261.20CHF 269.60CHF 100.80
2'500CHF 232.10CHF 240.40CHF 99.60

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.