OptiMed or PrimaCare — Appenzell Innerrhoden
Appenzell Innerrhoden: with Mutuel, OptiMed costs CHF 424.60 a month in 2026 and PrimaCare CHF 439.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
OptiMed is the cheaper of the two here: CHF 174.00 saved per year against PrimaCare, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
OptiMed is a "Group practice (HMO)" model. PrimaCare is a "Family doctor" model.
The price at every deductible
| Deductible | OptiMed | PrimaCare | Gap per year |
|---|---|---|---|
| 300 | CHF 424.60 | CHF 439.10 | CHF 174.00 |
| 500 | CHF 413.10 | CHF 427.60 | CHF 174.00 |
| 1'000 | CHF 384.10 | CHF 398.60 | CHF 174.00 |
| 1'500 | CHF 354.60 | CHF 369.10 | CHF 174.00 |
| 2'000 | CHF 325.60 | CHF 340.10 | CHF 174.00 |
| 2'500 | CHF 296.60 | CHF 311.10 | CHF 174.00 |
The comparison, region by region
- OptiMed or PrimaCare?
- Aargau
- 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
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.