Mutuel OptiMed — Basel-Stadt
Basel-Stadt: the OptiMed model from Mutuel costs CHF 610.90 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 610.90, OptiMed is not the lowest premium here: CSS goes down to CHF 575.90. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 999.60 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 610.90 | CHF 568.20 |
| 500 | CHF 599.40 | CHF 557.50 |
| 1'000 | CHF 570.40 | CHF 530.50 |
| 1'500 | CHF 540.90 | CHF 503.10 |
| 2'000 | CHF 511.90 | CHF 476.10 |
| 2'500 | CHF 482.90 | CHF 449.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 429.30 | CHF 399.30 |
| 500 | CHF 417.80 | CHF 388.60 |
| 1'000 | CHF 388.80 | CHF 361.60 |
| 1'500 | CHF 359.30 | CHF 334.20 |
| 2'000 | CHF 330.30 | CHF 307.20 |
| 2'500 | CHF 301.30 | CHF 280.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 156.00 | CHF 145.10 |
| 100 | CHF 150.20 | CHF 139.70 |
| 200 | CHF 144.40 | CHF 134.30 |
| 300 | CHF 138.50 | CHF 128.80 |
| 400 | CHF 132.70 | CHF 123.40 |
| 500 | CHF 126.90 | CHF 118.00 |
| 600 | CHF 121.00 | CHF 112.60 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- 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.