Avenir OptiMed — Region 1, St. Gallen
Region 1, St. Gallen: the OptiMed model from Avenir costs CHF 501.50 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 501.50, OptiMed is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 859.20 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 501.50 | CHF 466.40 |
| 500 | CHF 490.00 | CHF 455.70 |
| 1'000 | CHF 461.00 | CHF 428.70 |
| 1'500 | CHF 431.50 | CHF 401.30 |
| 2'000 | CHF 402.50 | CHF 374.30 |
| 2'500 | CHF 373.50 | CHF 347.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 379.40 | CHF 352.80 |
| 500 | CHF 367.90 | CHF 342.10 |
| 1'000 | CHF 338.90 | CHF 315.10 |
| 1'500 | CHF 309.40 | CHF 287.70 |
| 2'000 | CHF 280.40 | CHF 260.70 |
| 2'500 | CHF 251.40 | CHF 233.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 133.10 | CHF 123.80 |
| 100 | CHF 127.30 | CHF 118.40 |
| 200 | CHF 121.50 | CHF 113.00 |
| 300 | CHF 115.60 | CHF 107.50 |
| 400 | CHF 109.80 | CHF 102.20 |
| 500 | CHF 104.00 | CHF 96.80 |
| 600 | CHF 98.10 | CHF 91.30 |
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 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.