Mutuel OptiMed — Region 2, Schaffhausen
Region 2, Schaffhausen: the OptiMed model from Mutuel costs CHF 527.50 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 527.50, OptiMed is not the lowest premium here: Agrisano goes down to CHF 433.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 862.80 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 527.50 | CHF 490.60 |
| 500 | CHF 516.00 | CHF 479.90 |
| 1'000 | CHF 487.00 | CHF 452.90 |
| 1'500 | CHF 457.50 | CHF 425.50 |
| 2'000 | CHF 428.50 | CHF 398.50 |
| 2'500 | CHF 399.50 | CHF 371.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 399.50 | CHF 371.50 |
| 500 | CHF 388.00 | CHF 360.80 |
| 1'000 | CHF 359.00 | CHF 333.90 |
| 1'500 | CHF 329.50 | CHF 306.40 |
| 2'000 | CHF 300.50 | CHF 279.50 |
| 2'500 | CHF 271.50 | CHF 252.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 118.20 | CHF 109.90 |
| 100 | CHF 112.40 | CHF 104.50 |
| 200 | CHF 106.60 | CHF 99.20 |
| 300 | CHF 100.70 | CHF 93.70 |
| 400 | CHF 94.90 | CHF 88.30 |
| 500 | CHF 89.10 | CHF 82.90 |
| 600 | CHF 83.20 | CHF 77.40 |
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 1
- 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.