casamed hmo or FlexHelp 24 — Region 3, Lucerne
Region 3, Lucerne: with Vivao Sympany, casamed hmo costs CHF 431.20 a month in 2026 and FlexHelp 24 CHF 436.10, 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 431.20 | CHF 436.10 | CHF 58.80 |
| 500 | CHF 419.60 | CHF 424.50 | CHF 58.80 |
| 1'000 | CHF 390.40 | CHF 395.30 | CHF 58.80 |
| 1'500 | CHF 361.20 | CHF 366.10 | CHF 58.80 |
| 2'000 | CHF 332.10 | CHF 337.00 | CHF 58.80 |
| 2'500 | CHF 302.90 | CHF 307.80 | CHF 58.80 |
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 1
- Lucerne — Region 2
- 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.