Mutuel OptiMed — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the OptiMed model from Mutuel costs CHF 558.50 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 558.50, OptiMed is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 913.20 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 558.50 | CHF 519.40 |
| 500 | CHF 547.00 | CHF 508.70 |
| 1'000 | CHF 518.00 | CHF 481.70 |
| 1'500 | CHF 488.50 | CHF 454.30 |
| 2'000 | CHF 459.50 | CHF 427.30 |
| 2'500 | CHF 430.50 | CHF 400.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 410.40 | CHF 381.70 |
| 500 | CHF 398.90 | CHF 371.00 |
| 1'000 | CHF 369.90 | CHF 344.00 |
| 1'500 | CHF 340.40 | CHF 316.60 |
| 2'000 | CHF 311.40 | CHF 289.60 |
| 2'500 | CHF 282.40 | CHF 262.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 128.60 | CHF 119.60 |
| 100 | CHF 122.80 | CHF 114.20 |
| 200 | CHF 117.00 | CHF 108.80 |
| 300 | CHF 111.10 | CHF 103.30 |
| 400 | CHF 105.30 | CHF 97.90 |
| 500 | CHF 99.50 | CHF 92.50 |
| 600 | CHF 93.60 | CHF 87.00 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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.