OptiMed or PrimaCare — Appenzell Innerrhoden
Appenzell Innerrhoden: with Philos, OptiMed costs CHF 402.70 a month in 2026 and PrimaCare CHF 421.50, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
OptiMed is the cheaper of the two here: CHF 225.60 saved per year against PrimaCare, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
OptiMed is a "Group practice (HMO)" model. PrimaCare is a "Family doctor" model.
The price at every deductible
| Deductible | OptiMed | PrimaCare | Gap per year |
|---|---|---|---|
| 300 | CHF 402.70 | CHF 421.50 | CHF 225.60 |
| 500 | CHF 391.20 | CHF 410.00 | CHF 225.60 |
| 1'000 | CHF 362.20 | CHF 381.00 | CHF 225.60 |
| 1'500 | CHF 332.70 | CHF 351.50 | CHF 225.60 |
| 2'000 | CHF 303.70 | CHF 322.50 | CHF 225.60 |
| 2'500 | CHF 274.70 | CHF 293.50 | CHF 225.60 |
The comparison, region by region
- OptiMed or PrimaCare?
- Aargau
- 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
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.