Mutuel OptiMed — Region 3, Zurich
Region 3, Zurich: the OptiMed model from Mutuel costs CHF 501.10 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 501.10, OptiMed is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 820.80 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 501.10 | CHF 466.10 |
| 500 | CHF 489.60 | CHF 455.40 |
| 1'000 | CHF 460.60 | CHF 428.40 |
| 1'500 | CHF 431.10 | CHF 401.00 |
| 2'000 | CHF 402.10 | CHF 374.00 |
| 2'500 | CHF 373.10 | CHF 347.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 385.40 | CHF 358.40 |
| 500 | CHF 373.90 | CHF 347.70 |
| 1'000 | CHF 344.90 | CHF 320.70 |
| 1'500 | CHF 315.40 | CHF 293.30 |
| 2'000 | CHF 286.40 | CHF 266.30 |
| 2'500 | CHF 257.40 | CHF 239.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.40 | CHF 116.60 |
| 100 | CHF 119.60 | CHF 111.20 |
| 200 | CHF 113.80 | CHF 105.80 |
| 300 | CHF 107.90 | CHF 100.40 |
| 400 | CHF 102.10 | CHF 95.00 |
| 500 | CHF 96.30 | CHF 89.60 |
| 600 | CHF 90.40 | CHF 84.10 |
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.