casamed hmo or FlexHelp 24 — Region 3, Grisons
Region 3, Grisons: with Vivao Sympany, casamed hmo costs CHF 429.00 a month in 2026 and FlexHelp 24 CHF 433.90, 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 58.80 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
| Deductible | casamed hmo | FlexHelp 24 | Gap per year |
|---|---|---|---|
| 300 | CHF 429.00 | CHF 433.90 | CHF 58.80 |
| 500 | CHF 417.30 | CHF 422.20 | CHF 58.80 |
| 1'000 | CHF 388.10 | CHF 393.10 | CHF 60.00 |
| 1'500 | CHF 359.00 | CHF 363.90 | CHF 58.80 |
| 2'000 | CHF 329.80 | CHF 334.70 | CHF 58.80 |
| 2'500 | CHF 300.60 | CHF 305.60 | CHF 60.00 |
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
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- 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.