Avenir OptiMed — Schwyz
Schwyz: the OptiMed model from Avenir costs CHF 465.60 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 465.60, OptiMed is not the lowest premium here: Agrisano goes down to CHF 400.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 798.00 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 465.60 | CHF 433.00 |
| 500 | CHF 454.10 | CHF 422.40 |
| 1'000 | CHF 425.10 | CHF 395.40 |
| 1'500 | CHF 395.60 | CHF 367.90 |
| 2'000 | CHF 366.60 | CHF 341.00 |
| 2'500 | CHF 337.60 | CHF 314.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 338.10 | CHF 314.40 |
| 500 | CHF 326.60 | CHF 303.70 |
| 1'000 | CHF 297.60 | CHF 276.70 |
| 1'500 | CHF 268.10 | CHF 249.30 |
| 2'000 | CHF 239.10 | CHF 222.30 |
| 2'500 | CHF 210.10 | CHF 195.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 105.60 | CHF 98.20 |
| 100 | CHF 99.80 | CHF 92.80 |
| 200 | CHF 94.00 | CHF 87.40 |
| 300 | CHF 88.10 | CHF 81.90 |
| 400 | CHF 82.30 | CHF 76.50 |
| 500 | CHF 76.50 | CHF 71.10 |
| 600 | CHF 70.60 | CHF 65.60 |
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
- Schaffhausen — Region 2
- Solothurn
- 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.