Avenir OptiMed — Region 3, Zurich
Region 3, Zurich: the OptiMed model from Avenir costs CHF 517.20 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 517.20, OptiMed is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 886.80 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 517.20 | CHF 481.00 |
| 500 | CHF 505.70 | CHF 470.30 |
| 1'000 | CHF 476.70 | CHF 443.30 |
| 1'500 | CHF 447.20 | CHF 415.90 |
| 2'000 | CHF 418.20 | CHF 388.90 |
| 2'500 | CHF 389.20 | CHF 361.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 363.10 | CHF 337.70 |
| 500 | CHF 351.60 | CHF 327.00 |
| 1'000 | CHF 322.60 | CHF 300.00 |
| 1'500 | CHF 293.10 | CHF 272.60 |
| 2'000 | CHF 264.10 | CHF 245.60 |
| 2'500 | CHF 235.10 | CHF 218.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 128.90 | CHF 119.90 |
| 100 | CHF 123.10 | CHF 114.50 |
| 200 | CHF 117.30 | CHF 109.10 |
| 300 | CHF 111.40 | CHF 103.60 |
| 400 | CHF 105.60 | CHF 98.20 |
| 500 | CHF 99.80 | CHF 92.80 |
| 600 | CHF 93.90 | CHF 87.30 |
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.