Avenir OptiMed — Region 2, Bern
Region 2, Bern: the OptiMed model from Avenir costs CHF 546.00 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 546.00, OptiMed is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 936.00 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 546.00 | CHF 507.80 |
| 500 | CHF 534.50 | CHF 497.10 |
| 1'000 | CHF 505.50 | CHF 470.10 |
| 1'500 | CHF 476.00 | CHF 442.70 |
| 2'000 | CHF 447.00 | CHF 415.70 |
| 2'500 | CHF 418.00 | CHF 388.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 396.30 | CHF 368.60 |
| 500 | CHF 384.80 | CHF 357.90 |
| 1'000 | CHF 355.80 | CHF 330.90 |
| 1'500 | CHF 326.30 | CHF 303.50 |
| 2'000 | CHF 297.30 | CHF 276.50 |
| 2'500 | CHF 268.30 | CHF 249.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.00 | CHF 114.40 |
| 100 | CHF 117.20 | CHF 109.00 |
| 200 | CHF 111.40 | CHF 103.70 |
| 300 | CHF 105.50 | CHF 98.20 |
| 400 | CHF 99.70 | CHF 92.80 |
| 500 | CHF 93.90 | CHF 87.40 |
| 600 | CHF 88.00 | CHF 81.90 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.