casamed hmo or FlexHelp 24 — Region 2, Zurich
Region 2, Zurich: with Vivao Sympany, casamed hmo costs CHF 509.90 a month in 2026 and FlexHelp 24 CHF 506.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FlexHelp 24 is the cheaper of the two here: CHF 36.00 saved per year against casamed hmo, 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 509.90 | CHF 506.90 | CHF 36.00 |
| 500 | CHF 498.20 | CHF 495.30 | CHF 34.80 |
| 1'000 | CHF 469.00 | CHF 466.10 | CHF 34.80 |
| 1'500 | CHF 439.90 | CHF 436.90 | CHF 36.00 |
| 2'000 | CHF 410.70 | CHF 407.80 | CHF 34.80 |
| 2'500 | CHF 381.50 | CHF 378.60 | CHF 34.80 |
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
- 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
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.