casamed hmo or FlexHelp 24 — Region 1, Lucerne
Region 1, Lucerne: with Vivao Sympany, casamed hmo costs CHF 465.50 a month in 2026 and FlexHelp 24 CHF 473.50, 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 96.00 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 465.50 | CHF 473.50 | CHF 96.00 |
| 500 | CHF 453.80 | CHF 461.90 | CHF 97.20 |
| 1'000 | CHF 424.70 | CHF 432.70 | CHF 96.00 |
| 1'500 | CHF 395.50 | CHF 403.50 | CHF 96.00 |
| 2'000 | CHF 366.30 | CHF 374.40 | CHF 97.20 |
| 2'500 | CHF 337.20 | CHF 345.20 | CHF 96.00 |
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
- Grisons — Region 3
- Jura
- 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.