OptiMed or PrimaFlex — Appenzell Innerrhoden
Appenzell Innerrhoden: with Mutuel, OptiMed costs CHF 424.60 a month in 2026 and PrimaFlex CHF 425.90, 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 15.60 saved per year against PrimaFlex, 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. PrimaFlex is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | PrimaFlex | Gap per year |
|---|---|---|---|
| 300 | CHF 424.60 | CHF 425.90 | CHF 15.60 |
| 500 | CHF 413.10 | CHF 414.90 | CHF 21.60 |
| 1'000 | CHF 384.10 | CHF 387.40 | CHF 39.60 |
| 1'500 | CHF 354.60 | CHF 359.40 | CHF 57.60 |
| 2'000 | CHF 325.60 | CHF 331.80 | CHF 74.40 |
| 2'500 | CHF 296.60 | CHF 304.30 | CHF 92.40 |
The comparison, region by region
- OptiMed or PrimaFlex?
- 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.