OptiMed or PrimaCare — Neuchâtel
Neuchâtel: with Mutuel, OptiMed costs CHF 642.30 a month in 2026 and PrimaCare CHF 664.20, 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 262.80 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 642.30 | CHF 664.20 | CHF 262.80 |
| 500 | CHF 630.80 | CHF 652.70 | CHF 262.80 |
| 1'000 | CHF 601.80 | CHF 623.70 | CHF 262.80 |
| 1'500 | CHF 572.30 | CHF 594.20 | CHF 262.80 |
| 2'000 | CHF 543.30 | CHF 565.20 | CHF 262.80 |
| 2'500 | CHF 514.30 | CHF 536.20 | CHF 262.80 |
The comparison, region by region
- OptiMed or PrimaCare?
- 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
- 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.