Avenir OptiMed — Region 2, St. Gallen
Region 2, St. Gallen: the OptiMed model from Avenir costs CHF 486.50 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 486.50, OptiMed is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 834.00 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 486.50 | CHF 452.40 |
| 500 | CHF 475.00 | CHF 441.70 |
| 1'000 | CHF 446.00 | CHF 414.80 |
| 1'500 | CHF 416.50 | CHF 387.30 |
| 2'000 | CHF 387.50 | CHF 360.30 |
| 2'500 | CHF 358.50 | CHF 333.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 368.00 | CHF 342.20 |
| 500 | CHF 356.50 | CHF 331.50 |
| 1'000 | CHF 327.50 | CHF 304.60 |
| 1'500 | CHF 298.00 | CHF 277.10 |
| 2'000 | CHF 269.00 | CHF 250.20 |
| 2'500 | CHF 240.00 | CHF 223.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 129.10 | CHF 120.10 |
| 100 | CHF 123.30 | CHF 114.70 |
| 200 | CHF 117.50 | CHF 109.30 |
| 300 | CHF 111.60 | CHF 103.80 |
| 400 | CHF 105.80 | CHF 98.40 |
| 500 | CHF 100.00 | CHF 93.00 |
| 600 | CHF 94.10 | CHF 87.60 |
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 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.