OptiMed or PrimaFlex — Region 1, Grisons
Region 1, Grisons: with Mutuel, OptiMed costs CHF 482.30 a month in 2026 and PrimaFlex CHF 483.70, 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 16.80 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 482.30 | CHF 483.70 | CHF 16.80 |
| 500 | CHF 470.80 | CHF 472.70 | CHF 22.80 |
| 1'000 | CHF 441.80 | CHF 445.20 | CHF 40.80 |
| 1'500 | CHF 412.30 | CHF 417.20 | CHF 58.80 |
| 2'000 | CHF 383.30 | CHF 389.60 | CHF 75.60 |
| 2'500 | CHF 354.30 | CHF 362.10 | CHF 93.60 |
The comparison, region by region
- OptiMed or PrimaFlex?
- 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 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.