Avenir OptiMed — Appenzell Innerrhoden
Appenzell Innerrhoden: the OptiMed model from Avenir costs CHF 475.20 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 475.20, OptiMed is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 813.60 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 475.20 | CHF 441.90 |
| 500 | CHF 463.70 | CHF 431.20 |
| 1'000 | CHF 434.70 | CHF 404.30 |
| 1'500 | CHF 405.20 | CHF 376.80 |
| 2'000 | CHF 376.20 | CHF 349.80 |
| 2'500 | CHF 347.20 | CHF 322.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 359.30 | CHF 334.20 |
| 500 | CHF 347.80 | CHF 323.50 |
| 1'000 | CHF 318.80 | CHF 296.50 |
| 1'500 | CHF 289.30 | CHF 269.10 |
| 2'000 | CHF 260.30 | CHF 242.10 |
| 2'500 | CHF 231.30 | CHF 215.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.30 | CHF 116.60 |
| 100 | CHF 119.50 | CHF 111.20 |
| 200 | CHF 113.70 | CHF 105.80 |
| 300 | CHF 107.80 | CHF 100.30 |
| 400 | CHF 102.00 | CHF 94.90 |
| 500 | CHF 96.20 | CHF 89.50 |
| 600 | CHF 90.30 | CHF 84.00 |
The price, region by region
- Aargau
- 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.