Avenir OptiMed — Aargau
Aargau: the OptiMed model from Avenir costs CHF 481.00 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 481.00, OptiMed is not the lowest premium here: Agrisano goes down to CHF 453.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'182.00 less per year than Avenir's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 481.00 | CHF 447.40 |
| 500 | CHF 469.50 | CHF 436.70 |
| 1'000 | CHF 440.50 | CHF 409.70 |
| 1'500 | CHF 411.00 | CHF 382.30 |
| 2'000 | CHF 382.00 | CHF 355.30 |
| 2'500 | CHF 353.00 | CHF 328.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 368.00 | CHF 342.20 |
| 500 | CHF 356.50 | CHF 331.50 |
| 1'000 | CHF 327.50 | CHF 304.60 |
| 1'500 | CHF 298.00 | CHF 277.10 |
| 2'000 | CHF 269.00 | CHF 250.20 |
| 2'500 | CHF 240.00 | CHF 223.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.90 | CHF 117.10 |
| 100 | CHF 120.10 | CHF 111.70 |
| 200 | CHF 114.30 | CHF 106.30 |
| 300 | CHF 108.40 | CHF 100.80 |
| 400 | CHF 102.60 | CHF 95.40 |
| 500 | CHF 96.80 | CHF 90.00 |
| 600 | CHF 90.90 | CHF 84.50 |
The price, region by region
- 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
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.