Avenir OptiMed — Region 1, Schaffhausen
Region 1, Schaffhausen: the OptiMed model from Avenir costs CHF 568.90 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 568.90, OptiMed is not the lowest premium here: ÖKK goes down to CHF 480.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 974.40 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 568.90 | CHF 529.10 |
| 500 | CHF 557.40 | CHF 518.40 |
| 1'000 | CHF 528.40 | CHF 491.40 |
| 1'500 | CHF 498.90 | CHF 464.00 |
| 2'000 | CHF 469.90 | CHF 437.00 |
| 2'500 | CHF 440.90 | CHF 410.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 417.90 | CHF 388.60 |
| 500 | CHF 406.40 | CHF 377.90 |
| 1'000 | CHF 377.40 | CHF 351.00 |
| 1'500 | CHF 347.90 | CHF 323.50 |
| 2'000 | CHF 318.90 | CHF 296.50 |
| 2'500 | CHF 289.90 | CHF 269.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 140.10 | CHF 130.30 |
| 100 | CHF 134.30 | CHF 124.90 |
| 200 | CHF 128.50 | CHF 119.50 |
| 300 | CHF 122.60 | CHF 114.00 |
| 400 | CHF 116.80 | CHF 108.60 |
| 500 | CHF 111.00 | CHF 103.20 |
| 600 | CHF 105.10 | CHF 97.80 |
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
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- 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.