Mutuel OptiMed — Region 2, Vaud
Region 2, Vaud: the OptiMed model from Mutuel costs CHF 594.00 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 594.00, OptiMed is not the lowest premium here: Assura-Basis goes down to CHF 537.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 972.00 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 594.00 | CHF 552.40 |
| 500 | CHF 582.50 | CHF 541.70 |
| 1'000 | CHF 553.50 | CHF 514.70 |
| 1'500 | CHF 524.00 | CHF 487.30 |
| 2'000 | CHF 495.00 | CHF 460.30 |
| 2'500 | CHF 466.00 | CHF 433.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 438.70 | CHF 408.00 |
| 500 | CHF 427.20 | CHF 397.30 |
| 1'000 | CHF 398.20 | CHF 370.30 |
| 1'500 | CHF 368.70 | CHF 342.90 |
| 2'000 | CHF 339.70 | CHF 315.90 |
| 2'500 | CHF 310.70 | CHF 289.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 154.40 | CHF 143.60 |
| 100 | CHF 148.60 | CHF 138.20 |
| 200 | CHF 142.80 | CHF 132.80 |
| 300 | CHF 136.90 | CHF 127.40 |
| 400 | CHF 131.10 | CHF 122.00 |
| 500 | CHF 125.30 | CHF 116.60 |
| 600 | CHF 119.40 | CHF 111.10 |
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
- Uri
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.