Mutuel OptiMed — Uri
Uri: the OptiMed model from Mutuel costs CHF 485.10 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 485.10, OptiMed is not the lowest premium here: Agrisano goes down to CHF 376.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 793.20 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 485.10 | CHF 451.20 |
| 500 | CHF 473.60 | CHF 440.50 |
| 1'000 | CHF 444.60 | CHF 413.50 |
| 1'500 | CHF 415.10 | CHF 386.10 |
| 2'000 | CHF 386.10 | CHF 359.10 |
| 2'500 | CHF 357.10 | CHF 332.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 353.30 | CHF 328.60 |
| 500 | CHF 341.80 | CHF 317.90 |
| 1'000 | CHF 312.80 | CHF 290.90 |
| 1'500 | CHF 283.30 | CHF 263.50 |
| 2'000 | CHF 254.30 | CHF 236.50 |
| 2'500 | CHF 225.30 | CHF 209.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 105.30 | CHF 98.00 |
| 100 | CHF 99.50 | CHF 92.60 |
| 200 | CHF 93.70 | CHF 87.20 |
| 300 | CHF 87.80 | CHF 81.70 |
| 400 | CHF 82.00 | CHF 76.30 |
| 500 | CHF 76.20 | CHF 70.90 |
| 600 | CHF 70.30 | CHF 65.40 |
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
- Thurgau
- 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.