OptiMed or PrimaCare — Neuchâtel
Neuchâtel: with Avenir, OptiMed costs CHF 610.40 a month in 2026 and PrimaCare CHF 617.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
OptiMed is the cheaper of the two here: CHF 82.80 saved per year against PrimaCare, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
OptiMed is a "Group practice (HMO)" model. PrimaCare is a "Family doctor" model.
The price at every deductible
| Deductible | OptiMed | PrimaCare | Gap per year |
|---|---|---|---|
| 300 | CHF 610.40 | CHF 617.30 | CHF 82.80 |
| 500 | CHF 598.90 | CHF 605.80 | CHF 82.80 |
| 1'000 | CHF 569.90 | CHF 576.80 | CHF 82.80 |
| 1'500 | CHF 540.40 | CHF 547.30 | CHF 82.80 |
| 2'000 | CHF 511.40 | CHF 518.30 | CHF 82.80 |
| 2'500 | CHF 482.40 | CHF 489.30 | CHF 82.80 |
The comparison, region by region
- OptiMed or PrimaCare?
- 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
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.