OptiMed or PrimaFlex — Nidwalden
Nidwalden: with Avenir, OptiMed costs CHF 457.50 a month in 2026 and PrimaFlex CHF 460.10, 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 31.20 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 457.50 | CHF 460.10 | CHF 31.20 |
| 500 | CHF 446.00 | CHF 449.10 | CHF 37.20 |
| 1'000 | CHF 417.00 | CHF 421.60 | CHF 55.20 |
| 1'500 | CHF 387.50 | CHF 393.60 | CHF 73.20 |
| 2'000 | CHF 358.50 | CHF 366.00 | CHF 90.00 |
| 2'500 | CHF 329.50 | CHF 338.50 | CHF 108.00 |
The comparison, region by region
- OptiMed or PrimaFlex?
- 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
- Neuchâtel
- 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.