Mutuel OptiMed — Region 1, Fribourg
Region 1, Fribourg: the OptiMed model from Mutuel costs CHF 542.10 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 542.10, OptiMed is not the lowest premium here: Vivao Sympany goes down to CHF 501.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'238.40 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 542.10 | CHF 504.20 |
| 500 | CHF 530.60 | CHF 493.50 |
| 1'000 | CHF 501.60 | CHF 466.50 |
| 1'500 | CHF 472.10 | CHF 439.10 |
| 2'000 | CHF 443.10 | CHF 412.10 |
| 2'500 | CHF 414.10 | CHF 385.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 422.80 | CHF 393.20 |
| 500 | CHF 411.30 | CHF 382.50 |
| 1'000 | CHF 382.30 | CHF 355.50 |
| 1'500 | CHF 352.80 | CHF 328.10 |
| 2'000 | CHF 323.80 | CHF 301.10 |
| 2'500 | CHF 294.80 | CHF 274.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 156.70 | CHF 145.70 |
| 100 | CHF 150.90 | CHF 140.30 |
| 200 | CHF 145.10 | CHF 134.90 |
| 300 | CHF 139.20 | CHF 129.50 |
| 400 | CHF 133.40 | CHF 124.10 |
| 500 | CHF 127.60 | CHF 118.70 |
| 600 | CHF 121.70 | CHF 113.20 |
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
- Basel-Stadt
- 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.