casamed hmo or FlexHelp 24 — Region 2, Fribourg
Region 2, Fribourg: with Vivao Sympany, casamed hmo costs CHF 481.20 a month in 2026 and FlexHelp 24 CHF 486.70, 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 66.00 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
| Deductible | casamed hmo | FlexHelp 24 | Gap per year |
|---|---|---|---|
| 300 | CHF 481.20 | CHF 486.70 | CHF 66.00 |
| 500 | CHF 469.50 | CHF 475.00 | CHF 66.00 |
| 1'000 | CHF 440.30 | CHF 445.90 | CHF 67.20 |
| 1'500 | CHF 411.20 | CHF 416.70 | CHF 66.00 |
| 2'000 | CHF 382.00 | CHF 387.50 | CHF 66.00 |
| 2'500 | CHF 352.80 | CHF 358.40 | CHF 67.20 |
The comparison, region by region
- casamed hmo or FlexHelp 24?
- 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
- 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.