Mutuel OptiMed — Region 1, Schaffhausen
Region 1, Schaffhausen: the OptiMed model from Mutuel costs CHF 555.20 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 555.20, OptiMed is not the lowest premium here: ÖKK goes down to CHF 480.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 908.40 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 555.20 | CHF 516.40 |
| 500 | CHF 543.70 | CHF 505.70 |
| 1'000 | CHF 514.70 | CHF 478.70 |
| 1'500 | CHF 485.20 | CHF 451.30 |
| 2'000 | CHF 456.20 | CHF 424.30 |
| 2'500 | CHF 427.20 | CHF 397.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 420.50 | CHF 391.10 |
| 500 | CHF 409.00 | CHF 380.40 |
| 1'000 | CHF 380.00 | CHF 353.40 |
| 1'500 | CHF 350.50 | CHF 326.00 |
| 2'000 | CHF 321.50 | CHF 299.00 |
| 2'500 | CHF 292.50 | CHF 272.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.40 | CHF 115.70 |
| 100 | CHF 118.60 | CHF 110.30 |
| 200 | CHF 112.80 | CHF 104.90 |
| 300 | CHF 106.90 | CHF 99.40 |
| 400 | CHF 101.10 | CHF 94.10 |
| 500 | CHF 95.30 | CHF 88.70 |
| 600 | CHF 89.40 | CHF 83.20 |
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
- Fribourg — Region 2
- 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 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.