Avenir OptiMed — Region 3, Bern
Region 3, Bern: the OptiMed model from Avenir costs CHF 509.60 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 509.60, OptiMed is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 873.60 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 509.60 | CHF 474.00 |
| 500 | CHF 498.10 | CHF 463.30 |
| 1'000 | CHF 469.10 | CHF 436.30 |
| 1'500 | CHF 439.60 | CHF 408.90 |
| 2'000 | CHF 410.60 | CHF 381.90 |
| 2'500 | CHF 381.60 | CHF 354.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 369.90 | CHF 344.00 |
| 500 | CHF 358.40 | CHF 333.30 |
| 1'000 | CHF 329.40 | CHF 306.30 |
| 1'500 | CHF 299.90 | CHF 278.90 |
| 2'000 | CHF 270.90 | CHF 251.90 |
| 2'500 | CHF 241.90 | CHF 225.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 114.80 | CHF 106.80 |
| 100 | CHF 109.00 | CHF 101.40 |
| 200 | CHF 103.20 | CHF 96.00 |
| 300 | CHF 97.30 | CHF 90.50 |
| 400 | CHF 91.50 | CHF 85.10 |
| 500 | CHF 85.70 | CHF 79.80 |
| 600 | CHF 79.80 | CHF 74.30 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.