Avenir OptiMed — Region 3, Grisons
Region 3, Grisons: the OptiMed model from Avenir costs CHF 483.00 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 483.00, OptiMed is not the lowest premium here: vita surselva goes down to CHF 404.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 828.00 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 483.00 | CHF 449.20 |
| 500 | CHF 471.50 | CHF 438.50 |
| 1'000 | CHF 442.50 | CHF 411.50 |
| 1'500 | CHF 413.00 | CHF 384.10 |
| 2'000 | CHF 384.00 | CHF 357.10 |
| 2'500 | CHF 355.00 | CHF 330.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 363.50 | CHF 338.00 |
| 500 | CHF 352.00 | CHF 327.30 |
| 1'000 | CHF 323.00 | CHF 300.40 |
| 1'500 | CHF 293.50 | CHF 272.90 |
| 2'000 | CHF 264.50 | CHF 246.00 |
| 2'500 | CHF 235.50 | CHF 219.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 138.40 | CHF 128.70 |
| 100 | CHF 132.60 | CHF 123.30 |
| 200 | CHF 126.80 | CHF 117.90 |
| 300 | CHF 120.90 | CHF 112.40 |
| 400 | CHF 115.10 | CHF 107.00 |
| 500 | CHF 109.30 | CHF 101.60 |
| 600 | CHF 103.40 | CHF 96.20 |
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
- Geneva
- Grisons — Region 1
- Grisons — Region 2
- 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.