Avenir OptiMed — Region 2, Schaffhausen
Region 2, Schaffhausen: the OptiMed model from Avenir costs CHF 534.80 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 534.80, OptiMed is not the lowest premium here: Agrisano goes down to CHF 433.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 915.60 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 534.80 | CHF 497.30 |
| 500 | CHF 523.30 | CHF 486.60 |
| 1'000 | CHF 494.30 | CHF 459.70 |
| 1'500 | CHF 464.80 | CHF 432.20 |
| 2'000 | CHF 435.80 | CHF 405.30 |
| 2'500 | CHF 406.80 | CHF 378.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 392.80 | CHF 365.30 |
| 500 | CHF 381.30 | CHF 354.60 |
| 1'000 | CHF 352.30 | CHF 327.60 |
| 1'500 | CHF 322.80 | CHF 300.20 |
| 2'000 | CHF 293.80 | CHF 273.20 |
| 2'500 | CHF 264.80 | CHF 246.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 131.70 | CHF 122.50 |
| 100 | CHF 125.90 | CHF 117.10 |
| 200 | CHF 120.10 | CHF 111.70 |
| 300 | CHF 114.20 | CHF 106.20 |
| 400 | CHF 108.40 | CHF 100.80 |
| 500 | CHF 102.60 | CHF 95.40 |
| 600 | CHF 96.70 | CHF 89.90 |
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 1
- 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.