Avenir OptiMed — Region 3, St. Gallen
Region 3, St. Gallen: the OptiMed model from Avenir costs CHF 471.40 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 471.40, OptiMed is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 808.80 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 471.40 | CHF 438.40 |
| 500 | CHF 459.90 | CHF 427.70 |
| 1'000 | CHF 430.90 | CHF 400.80 |
| 1'500 | CHF 401.40 | CHF 373.30 |
| 2'000 | CHF 372.40 | CHF 346.40 |
| 2'500 | CHF 343.40 | CHF 319.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 356.60 | CHF 331.60 |
| 500 | CHF 345.10 | CHF 320.90 |
| 1'000 | CHF 316.10 | CHF 294.00 |
| 1'500 | CHF 286.60 | CHF 266.50 |
| 2'000 | CHF 257.60 | CHF 239.60 |
| 2'500 | CHF 228.60 | CHF 212.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.20 | CHF 116.40 |
| 100 | CHF 119.40 | CHF 111.00 |
| 200 | CHF 113.60 | CHF 105.60 |
| 300 | CHF 107.70 | CHF 100.10 |
| 400 | CHF 101.90 | CHF 94.70 |
| 500 | CHF 96.10 | CHF 89.30 |
| 600 | CHF 90.20 | CHF 83.80 |
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
- 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.