casamed pharm or FlexHelp 24 — Region 2, Lucerne
Region 2, Lucerne: with Vivao Sympany, casamed pharm costs CHF 458.40 a month in 2026 and FlexHelp 24 CHF 448.10, 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 123.60 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 458.40 | CHF 448.10 | CHF 123.60 |
| 500 | CHF 446.70 | CHF 436.40 | CHF 123.60 |
| 1'000 | CHF 417.60 | CHF 407.30 | CHF 123.60 |
| 1'500 | CHF 388.40 | CHF 378.10 | CHF 123.60 |
| 2'000 | CHF 359.20 | CHF 348.90 | CHF 123.60 |
| 2'500 | CHF 330.10 | CHF 319.80 | CHF 123.60 |
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 1
- 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.