Mutuel OptiMed — Zug
Zug: the OptiMed model from Mutuel costs CHF 366.10 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 366.10, OptiMed is not the lowest premium here: Agrisano goes down to CHF 335.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 598.80 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 366.10 | CHF 340.50 |
| 500 | CHF 354.60 | CHF 329.80 |
| 1'000 | CHF 325.60 | CHF 302.80 |
| 1'500 | CHF 296.10 | CHF 275.40 |
| 2'000 | CHF 267.10 | CHF 248.40 |
| 2'500 | CHF 238.10 | CHF 221.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 259.90 | CHF 241.70 |
| 500 | CHF 248.40 | CHF 231.00 |
| 1'000 | CHF 219.40 | CHF 204.10 |
| 1'500 | CHF 189.90 | CHF 176.60 |
| 2'000 | CHF 160.90 | CHF 149.70 |
| 2'500 | CHF 159.80 | CHF 148.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 90.20 | CHF 83.90 |
| 100 | CHF 84.40 | CHF 78.50 |
| 200 | CHF 78.60 | CHF 73.10 |
| 300 | CHF 72.70 | CHF 67.60 |
| 400 | CHF 66.90 | CHF 62.20 |
| 500 | CHF 61.10 | CHF 56.90 |
| 600 | CHF 55.20 | CHF 51.40 |
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
- 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.