Mutuel OptiMed — Geneva
Geneva: the OptiMed model from Mutuel costs CHF 624.40 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 624.40, OptiMed is not the lowest premium here: Assura-Basis goes down to CHF 604.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'533.60 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 624.40 | CHF 580.70 |
| 500 | CHF 612.90 | CHF 570.00 |
| 1'000 | CHF 583.90 | CHF 543.00 |
| 1'500 | CHF 554.40 | CHF 515.60 |
| 2'000 | CHF 525.40 | CHF 488.60 |
| 2'500 | CHF 496.40 | CHF 461.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 471.10 | CHF 438.10 |
| 500 | CHF 459.60 | CHF 427.40 |
| 1'000 | CHF 430.60 | CHF 400.50 |
| 1'500 | CHF 401.10 | CHF 373.00 |
| 2'000 | CHF 372.10 | CHF 346.00 |
| 2'500 | CHF 343.10 | CHF 319.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 171.30 | CHF 159.30 |
| 100 | CHF 165.50 | CHF 154.00 |
| 200 | CHF 159.70 | CHF 148.60 |
| 300 | CHF 153.80 | CHF 143.10 |
| 400 | CHF 148.00 | CHF 137.70 |
| 500 | CHF 142.20 | CHF 132.30 |
| 600 | CHF 136.30 | CHF 126.80 |
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
- Fribourg — Region 2
- 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.