OptiMed or PrimaFlex — Appenzell Innerrhoden
Appenzell Innerrhoden: with Avenir, OptiMed costs CHF 475.20 a month in 2026 and PrimaFlex CHF 477.90, 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 32.40 saved per year against PrimaFlex, 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. PrimaFlex is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | PrimaFlex | Gap per year |
|---|---|---|---|
| 300 | CHF 475.20 | CHF 477.90 | CHF 32.40 |
| 500 | CHF 463.70 | CHF 466.90 | CHF 38.40 |
| 1'000 | CHF 434.70 | CHF 439.40 | CHF 56.40 |
| 1'500 | CHF 405.20 | CHF 411.40 | CHF 74.40 |
| 2'000 | CHF 376.20 | CHF 383.80 | CHF 91.20 |
| 2'500 | CHF 347.20 | CHF 356.30 | CHF 109.20 |
The comparison, region by region
- OptiMed or PrimaFlex?
- Aargau
- 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
- Neuchâtel
- 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.