Avenir OptiMed — Region 2, Vaud
Region 2, Vaud: the OptiMed model from Avenir costs CHF 580.30 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 580.30, OptiMed is not the lowest premium here: Assura-Basis goes down to CHF 537.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'040.40 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 580.30 | CHF 539.60 |
| 500 | CHF 568.80 | CHF 528.90 |
| 1'000 | CHF 539.80 | CHF 502.00 |
| 1'500 | CHF 510.30 | CHF 474.50 |
| 2'000 | CHF 481.30 | CHF 447.60 |
| 2'500 | CHF 452.30 | CHF 420.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 418.20 | CHF 388.90 |
| 500 | CHF 406.70 | CHF 378.20 |
| 1'000 | CHF 377.70 | CHF 351.30 |
| 1'500 | CHF 348.20 | CHF 323.80 |
| 2'000 | CHF 319.20 | CHF 296.90 |
| 2'500 | CHF 290.20 | CHF 269.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 160.30 | CHF 149.10 |
| 100 | CHF 154.50 | CHF 143.70 |
| 200 | CHF 148.70 | CHF 138.30 |
| 300 | CHF 142.80 | CHF 132.80 |
| 400 | CHF 137.00 | CHF 127.40 |
| 500 | CHF 131.20 | CHF 122.00 |
| 600 | CHF 125.30 | CHF 116.50 |
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
- Thurgau
- Uri
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.