Avenir OptiMed — Region 1, Zurich
Region 1, Zurich: the OptiMed model from Avenir costs CHF 556.10 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 556.10, OptiMed is not the lowest premium here: Atupri goes down to CHF 517.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 952.80 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 556.10 | CHF 517.20 |
| 500 | CHF 544.60 | CHF 506.50 |
| 1'000 | CHF 515.60 | CHF 479.50 |
| 1'500 | CHF 486.10 | CHF 452.10 |
| 2'000 | CHF 457.10 | CHF 425.10 |
| 2'500 | CHF 428.10 | CHF 398.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 390.40 | CHF 363.10 |
| 500 | CHF 378.90 | CHF 352.40 |
| 1'000 | CHF 349.90 | CHF 325.40 |
| 1'500 | CHF 320.40 | CHF 298.00 |
| 2'000 | CHF 291.40 | CHF 271.00 |
| 2'500 | CHF 262.40 | CHF 244.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 138.60 | CHF 128.90 |
| 100 | CHF 132.80 | CHF 123.50 |
| 200 | CHF 127.00 | CHF 118.10 |
| 300 | CHF 121.10 | CHF 112.60 |
| 400 | CHF 115.30 | CHF 107.20 |
| 500 | CHF 109.50 | CHF 101.80 |
| 600 | CHF 103.60 | CHF 96.30 |
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.