OptiMed or PrimaFlex — Region 3, Bern
Region 3, Bern: with Avenir, OptiMed costs CHF 509.60 a month in 2026 and PrimaFlex CHF 512.50, 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 34.80 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 509.60 | CHF 512.50 | CHF 34.80 |
| 500 | CHF 498.10 | CHF 501.50 | CHF 40.80 |
| 1'000 | CHF 469.10 | CHF 474.00 | CHF 58.80 |
| 1'500 | CHF 439.60 | CHF 446.00 | CHF 76.80 |
| 2'000 | CHF 410.60 | CHF 418.40 | CHF 93.60 |
| 2'500 | CHF 381.60 | CHF 390.90 | CHF 111.60 |
The comparison, region by region
- OptiMed or PrimaFlex?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.