Avenir OptiMed — Neuchâtel
Neuchâtel: the OptiMed model from Avenir costs CHF 610.40 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 610.40, OptiMed is not the lowest premium here: Visana goes down to CHF 554.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'045.20 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 610.40 | CHF 567.60 |
| 500 | CHF 598.90 | CHF 556.90 |
| 1'000 | CHF 569.90 | CHF 530.00 |
| 1'500 | CHF 540.40 | CHF 502.50 |
| 2'000 | CHF 511.40 | CHF 475.60 |
| 2'500 | CHF 482.40 | CHF 448.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 432.90 | CHF 402.60 |
| 500 | CHF 421.40 | CHF 391.90 |
| 1'000 | CHF 392.40 | CHF 365.00 |
| 1'500 | CHF 362.90 | CHF 337.50 |
| 2'000 | CHF 333.90 | CHF 310.60 |
| 2'500 | CHF 304.90 | CHF 283.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 148.80 | CHF 138.40 |
| 100 | CHF 143.00 | CHF 133.00 |
| 200 | CHF 137.20 | CHF 127.60 |
| 300 | CHF 131.30 | CHF 122.10 |
| 400 | CHF 125.50 | CHF 116.70 |
| 500 | CHF 119.70 | CHF 111.30 |
| 600 | CHF 113.80 | CHF 105.80 |
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
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- 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.