Mutuel OptiMed — Region 3, Grisons
Region 3, Grisons: the OptiMed model from Mutuel costs CHF 458.20 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 458.20, OptiMed is not the lowest premium here: vita surselva goes down to CHF 404.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 748.80 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 458.20 | CHF 426.10 |
| 500 | CHF 446.70 | CHF 415.40 |
| 1'000 | CHF 417.70 | CHF 388.40 |
| 1'500 | CHF 388.20 | CHF 361.00 |
| 2'000 | CHF 359.20 | CHF 334.00 |
| 2'500 | CHF 330.20 | CHF 307.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 330.40 | CHF 307.20 |
| 500 | CHF 318.90 | CHF 296.50 |
| 1'000 | CHF 289.90 | CHF 269.60 |
| 1'500 | CHF 260.40 | CHF 242.10 |
| 2'000 | CHF 231.40 | CHF 215.20 |
| 2'500 | CHF 202.80 | CHF 188.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 127.00 | CHF 118.10 |
| 100 | CHF 121.20 | CHF 112.70 |
| 200 | CHF 115.40 | CHF 107.30 |
| 300 | CHF 109.50 | CHF 101.90 |
| 400 | CHF 103.70 | CHF 96.50 |
| 500 | CHF 97.90 | CHF 91.10 |
| 600 | CHF 92.00 | CHF 85.60 |
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
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Grisons — Region 1
- Grisons — Region 2
- 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.