casamed pharm or FlexHelp 24 — Region 1, Lucerne
Region 1, Lucerne: with Vivao Sympany, casamed pharm costs CHF 476.20 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.
FlexHelp 24 is the cheaper of the two here: CHF 32.40 saved per year against casamed pharm, for cover identical under the law. What you pay more or less for is the care pathway.
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 476.20 | CHF 473.50 | CHF 32.40 |
| 500 | CHF 464.50 | CHF 461.90 | CHF 31.20 |
| 1'000 | CHF 435.40 | CHF 432.70 | CHF 32.40 |
| 1'500 | CHF 406.20 | CHF 403.50 | CHF 32.40 |
| 2'000 | CHF 377.00 | CHF 374.40 | CHF 31.20 |
| 2'500 | CHF 347.90 | CHF 345.20 | CHF 32.40 |
The comparison, region by region
- casamed pharm 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.