OptiMed or SanaTel — Neuchâtel
Neuchâtel: with Avenir, OptiMed costs CHF 610.40 a month in 2026 and SanaTel CHF 592.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SanaTel is the cheaper of the two here: CHF 210.00 saved per year against OptiMed, 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 610.40 | CHF 592.90 | CHF 210.00 |
| 500 | CHF 598.90 | CHF 581.40 | CHF 210.00 |
| 1'000 | CHF 569.90 | CHF 552.40 | CHF 210.00 |
| 1'500 | CHF 540.40 | CHF 522.90 | CHF 210.00 |
| 2'000 | CHF 511.40 | CHF 493.90 | CHF 210.00 |
| 2'500 | CHF 482.40 | CHF 464.90 | CHF 210.00 |
The comparison, region by region
- OptiMed or SanaTel?
- 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.