OptiMed or SanaTel — Schwyz
Schwyz: with Avenir, OptiMed costs CHF 465.60 a month in 2026 and SanaTel CHF 476.30, 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 128.40 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 465.60 | CHF 476.30 | CHF 128.40 |
| 500 | CHF 454.10 | CHF 464.80 | CHF 128.40 |
| 1'000 | CHF 425.10 | CHF 435.80 | CHF 128.40 |
| 1'500 | CHF 395.60 | CHF 406.30 | CHF 128.40 |
| 2'000 | CHF 366.60 | CHF 377.30 | CHF 128.40 |
| 2'500 | CHF 337.60 | CHF 348.30 | CHF 128.40 |
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
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- 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.