Mutuel OptiMed
OptiMed is the "Group practice (HMO)" model from Mutuel. It is offered across 38 premium regions, where the adult premium with a CHF 300 deductible runs from CHF 366.10 to CHF 642.30 a month in 2026.
You go to a designated group practice, which coordinates your care.
What it saves
On average, OptiMed costs CHF 899.91 less per year than Mutuel's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The price, region by region
38 premium regions, across 23 cantons.
- 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 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
“OptiMed” exists elsewhere too
2 other insurers sell a model with exactly this name. The product looks alike; the price does not. All belong to the same group: Groupe Mutuel.
Depending on the brand, the cheapest premium ranges from CHF 360.40 to CHF 385.70 a month. The footprints differ: the “regions” column shows how many each operates in, and a brand present everywhere necessarily reaches cheaper regions.
Mutuel: this model against the others
Other models from Mutuel
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.