OptiMed or SanaTel — Region 3, Grisons
Region 3, Grisons: with Mutuel, OptiMed costs CHF 458.20 a month in 2026 and SanaTel CHF 455.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SanaTel is the cheaper of the two here: CHF 31.20 saved per year against OptiMed, 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. SanaTel is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 458.20 | CHF 455.60 | CHF 31.20 |
| 500 | CHF 446.70 | CHF 444.10 | CHF 31.20 |
| 1'000 | CHF 417.70 | CHF 415.10 | CHF 31.20 |
| 1'500 | CHF 388.20 | CHF 385.60 | CHF 31.20 |
| 2'000 | CHF 359.20 | CHF 356.60 | CHF 31.20 |
| 2'500 | CHF 330.20 | CHF 327.60 | CHF 31.20 |
The comparison, region by region
- OptiMed or SanaTel?
- 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
- 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.