Vivao Sympany casamed pharm — Region 1, Lucerne
Region 1, Lucerne: the casamed pharm model from Vivao Sympany costs CHF 476.20 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 476.20, casamed pharm is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, casamed pharm costs CHF 705.60 less per year than Vivao Sympany's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 476.20 | CHF 442.90 |
| 500 | CHF 464.50 | CHF 432.00 |
| 1'000 | CHF 435.40 | CHF 405.00 |
| 1'500 | CHF 406.20 | CHF 377.80 |
| 2'000 | CHF 377.00 | CHF 350.70 |
| 2'500 | CHF 347.90 | CHF 323.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 347.60 | CHF 323.30 |
| 500 | CHF 336.00 | CHF 312.50 |
| 1'000 | CHF 306.80 | CHF 285.40 |
| 1'500 | CHF 277.60 | CHF 258.20 |
| 2'000 | CHF 248.50 | CHF 231.20 |
| 2'500 | CHF 219.30 | CHF 204.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 140.50 | CHF 130.70 |
| 200 | CHF 128.80 | CHF 119.80 |
| 400 | CHF 117.20 | CHF 109.00 |
| 600 | CHF 105.50 | CHF 98.20 |
The price, region by region
- 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
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.