Mutuel OptiMed — Region 2, Fribourg
Region 2, Fribourg: the OptiMed model from Mutuel costs CHF 512.30 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 512.30, OptiMed is not the lowest premium here: Agrisano goes down to CHF 450.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'171.20 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 512.30 | CHF 476.40 |
| 500 | CHF 500.80 | CHF 465.70 |
| 1'000 | CHF 471.80 | CHF 438.80 |
| 1'500 | CHF 442.30 | CHF 411.30 |
| 2'000 | CHF 413.30 | CHF 384.40 |
| 2'500 | CHF 384.30 | CHF 357.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 399.60 | CHF 371.60 |
| 500 | CHF 388.10 | CHF 360.90 |
| 1'000 | CHF 359.10 | CHF 333.90 |
| 1'500 | CHF 329.60 | CHF 306.50 |
| 2'000 | CHF 300.60 | CHF 279.50 |
| 2'500 | CHF 271.60 | CHF 252.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 148.10 | CHF 137.70 |
| 100 | CHF 142.30 | CHF 132.30 |
| 200 | CHF 136.50 | CHF 126.90 |
| 300 | CHF 130.60 | CHF 121.40 |
| 400 | CHF 124.80 | CHF 116.00 |
| 500 | CHF 119.00 | CHF 110.70 |
| 600 | CHF 113.10 | CHF 105.20 |
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 1
- 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.