OptiMed or SanaTel — Aargau
Aargau: with Avenir, OptiMed costs CHF 481.00 a month in 2026 and SanaTel CHF 518.70, 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 452.40 saved per year against SanaTel, 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. SanaTel is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 481.00 | CHF 518.70 | CHF 452.40 |
| 500 | CHF 469.50 | CHF 507.20 | CHF 452.40 |
| 1'000 | CHF 440.50 | CHF 478.20 | CHF 452.40 |
| 1'500 | CHF 411.00 | CHF 448.70 | CHF 452.40 |
| 2'000 | CHF 382.00 | CHF 419.70 | CHF 452.40 |
| 2'500 | CHF 353.00 | CHF 390.70 | CHF 452.40 |
The comparison, region by region
- OptiMed or SanaTel?
- 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
- 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.