Mutuel OptiMed — Region 1, Zurich
Region 1, Zurich: the OptiMed model from Mutuel costs CHF 563.10 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 563.10, OptiMed is not the lowest premium here: Atupri goes down to CHF 517.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 920.40 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 563.10 | CHF 523.70 |
| 500 | CHF 551.60 | CHF 513.00 |
| 1'000 | CHF 522.60 | CHF 486.00 |
| 1'500 | CHF 493.10 | CHF 458.60 |
| 2'000 | CHF 464.10 | CHF 431.60 |
| 2'500 | CHF 435.10 | CHF 404.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 433.00 | CHF 402.70 |
| 500 | CHF 421.50 | CHF 392.00 |
| 1'000 | CHF 392.50 | CHF 365.00 |
| 1'500 | CHF 363.00 | CHF 337.60 |
| 2'000 | CHF 334.00 | CHF 310.60 |
| 2'500 | CHF 305.00 | CHF 283.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 140.90 | CHF 131.00 |
| 100 | CHF 135.10 | CHF 125.60 |
| 200 | CHF 129.30 | CHF 120.30 |
| 300 | CHF 123.40 | CHF 114.80 |
| 400 | CHF 117.60 | CHF 109.40 |
| 500 | CHF 111.80 | CHF 104.00 |
| 600 | CHF 105.90 | CHF 98.50 |
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.