OptiMed or PrimaFlex — Region 2, St. Gallen
Region 2, St. Gallen: with Mutuel, OptiMed costs CHF 493.50 a month in 2026 and PrimaFlex CHF 494.90, 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 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 493.50 | CHF 494.90 | CHF 16.80 |
| 500 | CHF 482.00 | CHF 483.90 | CHF 22.80 |
| 1'000 | CHF 453.00 | CHF 456.40 | CHF 40.80 |
| 1'500 | CHF 423.50 | CHF 428.40 | CHF 58.80 |
| 2'000 | CHF 394.50 | CHF 400.80 | CHF 75.60 |
| 2'500 | CHF 365.50 | CHF 373.30 | 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 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 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.