Mutuel OptiMed — Region 1, St. Gallen
Region 1, St. Gallen: the OptiMed model from Mutuel costs CHF 530.60 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 530.60, OptiMed is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 867.60 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 530.60 | CHF 493.50 |
| 500 | CHF 519.10 | CHF 482.80 |
| 1'000 | CHF 490.10 | CHF 455.80 |
| 1'500 | CHF 460.60 | CHF 428.40 |
| 2'000 | CHF 431.60 | CHF 401.40 |
| 2'500 | CHF 402.60 | CHF 374.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 390.80 | CHF 363.40 |
| 500 | CHF 379.30 | CHF 352.70 |
| 1'000 | CHF 350.30 | CHF 325.80 |
| 1'500 | CHF 320.80 | CHF 298.30 |
| 2'000 | CHF 291.80 | CHF 271.30 |
| 2'500 | CHF 262.80 | CHF 244.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 138.70 | CHF 129.00 |
| 100 | CHF 132.90 | CHF 123.60 |
| 200 | CHF 127.10 | CHF 118.20 |
| 300 | CHF 121.20 | CHF 112.80 |
| 400 | CHF 115.40 | CHF 107.40 |
| 500 | CHF 109.60 | CHF 102.00 |
| 600 | CHF 103.70 | CHF 96.50 |
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 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.