Mutuel OptiMed — Region 3, St. Gallen
Region 3, St. Gallen: the OptiMed model from Mutuel costs CHF 466.90 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 466.90, OptiMed is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 764.40 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 466.90 | CHF 434.30 |
| 500 | CHF 455.40 | CHF 423.60 |
| 1'000 | CHF 426.40 | CHF 396.60 |
| 1'500 | CHF 396.90 | CHF 369.20 |
| 2'000 | CHF 367.90 | CHF 342.20 |
| 2'500 | CHF 338.90 | CHF 315.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 343.90 | CHF 319.80 |
| 500 | CHF 332.40 | CHF 309.10 |
| 1'000 | CHF 303.40 | CHF 282.20 |
| 1'500 | CHF 273.90 | CHF 254.70 |
| 2'000 | CHF 244.90 | CHF 227.70 |
| 2'500 | CHF 215.90 | CHF 200.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 122.10 | CHF 113.60 |
| 100 | CHF 116.30 | CHF 108.20 |
| 200 | CHF 110.50 | CHF 102.80 |
| 300 | CHF 104.60 | CHF 97.30 |
| 400 | CHF 98.80 | CHF 91.90 |
| 500 | CHF 93.00 | CHF 86.50 |
| 600 | CHF 87.10 | CHF 81.00 |
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
- 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.