Avenir OptiMed — Geneva
Geneva: the OptiMed model from Avenir costs CHF 633.60 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 633.60, OptiMed is not the lowest premium here: Assura-Basis goes down to CHF 604.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'725.60 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 633.60 | CHF 589.30 |
| 500 | CHF 622.10 | CHF 578.60 |
| 1'000 | CHF 593.10 | CHF 551.60 |
| 1'500 | CHF 563.60 | CHF 524.20 |
| 2'000 | CHF 534.60 | CHF 497.20 |
| 2'500 | CHF 505.60 | CHF 470.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 509.00 | CHF 473.40 |
| 500 | CHF 497.50 | CHF 462.70 |
| 1'000 | CHF 468.50 | CHF 435.70 |
| 1'500 | CHF 439.00 | CHF 408.30 |
| 2'000 | CHF 410.00 | CHF 381.30 |
| 2'500 | CHF 381.00 | CHF 354.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 177.30 | CHF 164.90 |
| 100 | CHF 171.50 | CHF 159.50 |
| 200 | CHF 165.70 | CHF 154.20 |
| 300 | CHF 159.80 | CHF 148.70 |
| 400 | CHF 154.00 | CHF 143.30 |
| 500 | CHF 148.20 | CHF 137.90 |
| 600 | CHF 142.30 | CHF 132.40 |
The price, region by region
- Aargau
- 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
- 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.