Mutuel OptiMed — Region 2, St. Gallen
Region 2, St. Gallen: the OptiMed model from Mutuel costs CHF 493.50 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 493.50, OptiMed is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 806.40 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 493.50 | CHF 458.90 |
| 500 | CHF 482.00 | CHF 448.20 |
| 1'000 | CHF 453.00 | CHF 421.30 |
| 1'500 | CHF 423.50 | CHF 393.80 |
| 2'000 | CHF 394.50 | CHF 366.90 |
| 2'500 | CHF 365.50 | CHF 339.90 |
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 129.00 | CHF 120.00 |
| 100 | CHF 123.20 | CHF 114.60 |
| 200 | CHF 117.40 | CHF 109.20 |
| 300 | CHF 111.50 | CHF 103.70 |
| 400 | CHF 105.70 | CHF 98.30 |
| 500 | CHF 99.90 | CHF 92.90 |
| 600 | CHF 94.00 | CHF 87.50 |
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 1
- 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.