Avenir OptiMed — Thurgau
Thurgau: the OptiMed model from Avenir costs CHF 487.90 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 487.90, OptiMed is not the lowest premium here: Agrisano goes down to CHF 429.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 836.40 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 487.90 | CHF 453.80 |
| 500 | CHF 476.40 | CHF 443.10 |
| 1'000 | CHF 447.40 | CHF 416.10 |
| 1'500 | CHF 417.90 | CHF 388.70 |
| 2'000 | CHF 388.90 | CHF 361.70 |
| 2'500 | CHF 359.90 | CHF 334.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 352.00 | CHF 327.30 |
| 500 | CHF 340.50 | CHF 316.60 |
| 1'000 | CHF 311.50 | CHF 289.70 |
| 1'500 | CHF 282.00 | CHF 262.20 |
| 2'000 | CHF 253.00 | CHF 235.30 |
| 2'500 | CHF 224.00 | CHF 208.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 127.30 | CHF 118.40 |
| 100 | CHF 121.50 | CHF 113.00 |
| 200 | CHF 115.70 | CHF 107.60 |
| 300 | CHF 109.80 | CHF 102.10 |
| 400 | CHF 104.00 | CHF 96.70 |
| 500 | CHF 98.20 | CHF 91.30 |
| 600 | CHF 92.30 | CHF 85.90 |
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
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- 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.