Mutuel OptiMed — Aargau
Aargau: the OptiMed model from Mutuel costs CHF 530.30 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 530.30, OptiMed is not the lowest premium here: Agrisano goes down to CHF 453.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 867.60 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 full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 530.30 | CHF 493.20 |
| 500 | CHF 518.80 | CHF 482.50 |
| 1'000 | CHF 489.80 | CHF 455.60 |
| 1'500 | CHF 460.30 | CHF 428.10 |
| 2'000 | CHF 431.30 | CHF 401.10 |
| 2'500 | CHF 402.30 | CHF 374.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 372.70 | CHF 346.60 |
| 500 | CHF 361.20 | CHF 335.90 |
| 1'000 | CHF 332.20 | CHF 309.00 |
| 1'500 | CHF 302.70 | CHF 281.50 |
| 2'000 | CHF 273.70 | CHF 254.60 |
| 2'500 | CHF 244.70 | CHF 227.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.30 | CHF 121.20 |
| 100 | CHF 124.50 | CHF 115.80 |
| 200 | CHF 118.70 | CHF 110.40 |
| 300 | CHF 112.80 | CHF 104.90 |
| 400 | CHF 107.00 | CHF 99.50 |
| 500 | CHF 101.20 | CHF 94.10 |
| 600 | CHF 95.30 | CHF 88.60 |
The price, region by region
- 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
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.