Avenir OptiMed — Nidwalden
Nidwalden: the OptiMed model from Avenir costs CHF 457.50 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 457.50, OptiMed is not the lowest premium here: Agrisano goes down to CHF 385.40. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 783.60 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 457.50 | CHF 425.50 |
| 500 | CHF 446.00 | CHF 414.80 |
| 1'000 | CHF 417.00 | CHF 387.80 |
| 1'500 | CHF 387.50 | CHF 360.40 |
| 2'000 | CHF 358.50 | CHF 333.40 |
| 2'500 | CHF 329.50 | CHF 306.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 335.40 | CHF 312.00 |
| 500 | CHF 323.90 | CHF 301.30 |
| 1'000 | CHF 294.90 | CHF 274.30 |
| 1'500 | CHF 265.40 | CHF 246.90 |
| 2'000 | CHF 236.40 | CHF 219.90 |
| 2'500 | CHF 207.40 | CHF 192.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 103.80 | CHF 96.50 |
| 100 | CHF 98.00 | CHF 91.10 |
| 200 | CHF 92.20 | CHF 85.70 |
| 300 | CHF 86.30 | CHF 80.20 |
| 400 | CHF 80.50 | CHF 74.90 |
| 500 | CHF 74.70 | CHF 69.50 |
| 600 | CHF 68.80 | CHF 64.00 |
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
- Neuchâtel
- 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.