Vivao Sympany casamed pharm — Region 2, Lucerne
Region 2, Lucerne: the casamed pharm model from Vivao Sympany costs CHF 458.40 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 458.40, casamed pharm is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, casamed pharm costs CHF 679.20 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 458.40 | CHF 426.40 |
| 500 | CHF 446.70 | CHF 415.50 |
| 1'000 | CHF 417.60 | CHF 388.40 |
| 1'500 | CHF 388.40 | CHF 361.30 |
| 2'000 | CHF 359.20 | CHF 334.10 |
| 2'500 | CHF 330.10 | CHF 307.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 334.60 | CHF 311.20 |
| 500 | CHF 323.00 | CHF 300.40 |
| 1'000 | CHF 293.80 | CHF 273.30 |
| 1'500 | CHF 264.60 | CHF 246.10 |
| 2'000 | CHF 235.50 | CHF 219.10 |
| 2'500 | CHF 206.30 | CHF 191.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 135.30 | CHF 125.90 |
| 200 | CHF 123.60 | CHF 115.00 |
| 400 | CHF 111.90 | CHF 104.10 |
| 600 | CHF 100.30 | CHF 93.30 |
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 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
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.