Mutuel OptiMed — Thurgau
Thurgau: the OptiMed model from Mutuel costs CHF 488.50 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 488.50, OptiMed is not the lowest premium here: Agrisano goes down to CHF 429.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 799.20 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 488.50 | CHF 454.30 |
| 500 | CHF 477.00 | CHF 443.60 |
| 1'000 | CHF 448.00 | CHF 416.70 |
| 1'500 | CHF 418.50 | CHF 389.20 |
| 2'000 | CHF 389.50 | CHF 362.30 |
| 2'500 | CHF 360.50 | CHF 335.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 363.00 | CHF 337.60 |
| 500 | CHF 351.50 | CHF 326.90 |
| 1'000 | CHF 322.50 | CHF 300.00 |
| 1'500 | CHF 293.00 | CHF 272.50 |
| 2'000 | CHF 264.00 | CHF 245.60 |
| 2'500 | CHF 235.00 | CHF 218.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.60 | CHF 115.00 |
| 100 | CHF 117.80 | CHF 109.60 |
| 200 | CHF 112.00 | CHF 104.20 |
| 300 | CHF 106.10 | CHF 98.70 |
| 400 | CHF 100.30 | CHF 93.30 |
| 500 | CHF 94.50 | CHF 87.90 |
| 600 | CHF 88.60 | CHF 82.40 |
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
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- 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.