Avenir OptiMed — Region 1, Bern
Region 1, Bern: the OptiMed model from Avenir costs CHF 606.70 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 606.70, OptiMed is not the lowest premium here: Visana goes down to CHF 540.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'039.20 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 606.70 | CHF 564.20 |
| 500 | CHF 595.20 | CHF 553.50 |
| 1'000 | CHF 566.20 | CHF 526.60 |
| 1'500 | CHF 536.70 | CHF 499.10 |
| 2'000 | CHF 507.70 | CHF 472.20 |
| 2'500 | CHF 478.70 | CHF 445.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 440.30 | CHF 409.50 |
| 500 | CHF 428.80 | CHF 398.80 |
| 1'000 | CHF 399.80 | CHF 371.90 |
| 1'500 | CHF 370.30 | CHF 344.40 |
| 2'000 | CHF 341.30 | CHF 317.50 |
| 2'500 | CHF 312.30 | CHF 290.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 136.70 | CHF 127.10 |
| 100 | CHF 130.90 | CHF 121.80 |
| 200 | CHF 125.10 | CHF 116.40 |
| 300 | CHF 119.20 | CHF 110.90 |
| 400 | CHF 113.40 | CHF 105.50 |
| 500 | CHF 107.60 | CHF 100.10 |
| 600 | CHF 101.70 | CHF 94.60 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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.