Avenir OptiMed — Zug
Zug: the OptiMed model from Avenir costs CHF 360.40 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 360.40, OptiMed is not the lowest premium here: Agrisano goes down to CHF 335.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 616.80 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 360.40 | CHF 335.20 |
| 500 | CHF 348.90 | CHF 324.50 |
| 1'000 | CHF 319.90 | CHF 297.50 |
| 1'500 | CHF 290.40 | CHF 270.10 |
| 2'000 | CHF 261.40 | CHF 243.10 |
| 2'500 | CHF 232.40 | CHF 216.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 267.00 | CHF 248.30 |
| 500 | CHF 255.50 | CHF 237.60 |
| 1'000 | CHF 226.50 | CHF 210.70 |
| 1'500 | CHF 197.00 | CHF 183.20 |
| 2'000 | CHF 168.00 | CHF 156.30 |
| 2'500 | CHF 165.10 | CHF 153.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 92.30 | CHF 85.90 |
| 100 | CHF 86.50 | CHF 80.50 |
| 200 | CHF 80.70 | CHF 75.10 |
| 300 | CHF 74.80 | CHF 69.60 |
| 400 | CHF 69.00 | CHF 64.20 |
| 500 | CHF 63.20 | CHF 58.80 |
| 600 | CHF 57.30 | CHF 53.30 |
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 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.