Vivao Sympany FlexHelp 24 — Obwalden
Obwalden: the FlexHelp 24 model from Vivao Sympany costs CHF 434.20 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 434.20, FlexHelp 24 is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, FlexHelp 24 costs CHF 777.60 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 434.20 | CHF 403.90 |
| 500 | CHF 422.50 | CHF 393.00 |
| 1'000 | CHF 393.30 | CHF 365.80 |
| 1'500 | CHF 364.20 | CHF 338.80 |
| 2'000 | CHF 335.00 | CHF 311.60 |
| 2'500 | CHF 305.80 | CHF 284.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 317.00 | CHF 294.90 |
| 500 | CHF 305.30 | CHF 284.00 |
| 1'000 | CHF 276.10 | CHF 256.80 |
| 1'500 | CHF 247.00 | CHF 229.80 |
| 2'000 | CHF 217.80 | CHF 202.60 |
| 2'500 | CHF 195.90 | CHF 182.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 128.10 | CHF 119.20 |
| 200 | CHF 116.50 | CHF 108.40 |
| 400 | CHF 104.80 | CHF 97.50 |
| 600 | CHF 93.10 | CHF 86.60 |
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 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- 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.