Mutuel OptiMed — Nidwalden
Nidwalden: the OptiMed model from Mutuel costs CHF 511.40 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 511.40, OptiMed is not the lowest premium here: Agrisano goes down to CHF 385.40. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 836.40 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 511.40 | CHF 475.60 |
| 500 | CHF 499.90 | CHF 464.90 |
| 1'000 | CHF 470.90 | CHF 438.00 |
| 1'500 | CHF 441.40 | CHF 410.50 |
| 2'000 | CHF 412.40 | CHF 383.60 |
| 2'500 | CHF 383.40 | CHF 356.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 363.40 | CHF 338.00 |
| 500 | CHF 351.90 | CHF 327.30 |
| 1'000 | CHF 322.90 | CHF 300.30 |
| 1'500 | CHF 293.40 | CHF 272.90 |
| 2'000 | CHF 264.40 | CHF 245.90 |
| 2'500 | CHF 235.40 | CHF 218.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.20 | CHF 115.60 |
| 100 | CHF 118.40 | CHF 110.20 |
| 200 | CHF 112.60 | CHF 104.80 |
| 300 | CHF 106.70 | CHF 99.30 |
| 400 | CHF 100.90 | CHF 93.90 |
| 500 | CHF 95.10 | CHF 88.50 |
| 600 | CHF 89.20 | CHF 83.00 |
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
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- 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.