Mutuel OptiMed — Region 2, Grisons
Region 2, Grisons: the OptiMed model from Mutuel costs CHF 470.20 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 470.20, OptiMed is not the lowest premium here: Agrisano goes down to CHF 418.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 769.20 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 470.20 | CHF 437.30 |
| 500 | CHF 458.70 | CHF 426.60 |
| 1'000 | CHF 429.70 | CHF 399.70 |
| 1'500 | CHF 400.20 | CHF 372.20 |
| 2'000 | CHF 371.20 | CHF 345.30 |
| 2'500 | CHF 342.20 | CHF 318.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 339.00 | CHF 315.30 |
| 500 | CHF 327.50 | CHF 304.60 |
| 1'000 | CHF 298.50 | CHF 277.70 |
| 1'500 | CHF 269.00 | CHF 250.20 |
| 2'000 | CHF 240.00 | CHF 223.20 |
| 2'500 | CHF 211.00 | CHF 196.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.40 | CHF 121.20 |
| 100 | CHF 124.60 | CHF 115.80 |
| 200 | CHF 118.80 | CHF 110.40 |
| 300 | CHF 112.90 | CHF 105.00 |
| 400 | CHF 107.10 | CHF 99.60 |
| 500 | CHF 101.30 | CHF 94.20 |
| 600 | CHF 95.40 | CHF 88.70 |
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
- Geneva
- Grisons — Region 1
- 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.