casamed pharm or FlexHelp 24 — Appenzell Innerrhoden
Appenzell Innerrhoden: with Vivao Sympany, casamed pharm costs CHF 368.80 a month in 2026 and FlexHelp 24 CHF 368.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here casamed pharm and FlexHelp 24 cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
What you accept in each case
casamed pharm is a "Family doctor" model. FlexHelp 24 is a "Telemedicine and others" model.
- casamed pharm
Family doctor
You pick a family doctor and always go to them first.
- 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 pharm | FlexHelp 24 | Gap per year |
|---|---|---|---|
| 300 | CHF 368.80 | CHF 368.80 | — |
| 500 | CHF 357.10 | CHF 357.10 | — |
| 1'000 | CHF 327.90 | CHF 327.90 | — |
| 1'500 | CHF 298.80 | CHF 298.80 | — |
| 2'000 | CHF 269.60 | CHF 269.60 | — |
| 2'500 | CHF 240.40 | CHF 240.40 | — |
The comparison, region by region
- casamed pharm or FlexHelp 24?
- Aargau
- 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
- 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.