Mutuel OptiMed — Schwyz
Schwyz: the OptiMed model from Mutuel costs CHF 453.00 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 453.00, OptiMed is not the lowest premium here: Agrisano goes down to CHF 400.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 740.40 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 453.00 | CHF 421.30 |
| 500 | CHF 441.50 | CHF 410.60 |
| 1'000 | CHF 412.50 | CHF 383.60 |
| 1'500 | CHF 383.00 | CHF 356.20 |
| 2'000 | CHF 354.00 | CHF 329.20 |
| 2'500 | CHF 325.00 | CHF 302.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 323.70 | CHF 301.10 |
| 500 | CHF 312.20 | CHF 290.40 |
| 1'000 | CHF 283.20 | CHF 263.40 |
| 1'500 | CHF 253.70 | CHF 236.00 |
| 2'000 | CHF 224.70 | CHF 209.00 |
| 2'500 | CHF 198.80 | CHF 184.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.60 | CHF 108.40 |
| 100 | CHF 110.80 | CHF 103.00 |
| 200 | CHF 105.00 | CHF 97.70 |
| 300 | CHF 99.10 | CHF 92.20 |
| 400 | CHF 93.30 | CHF 86.80 |
| 500 | CHF 87.50 | CHF 81.40 |
| 600 | CHF 81.60 | CHF 75.90 |
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
- Schaffhausen — Region 2
- Solothurn
- 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.