OptiMed or PrimaCare — Region 1, Bern
Region 1, Bern: with Philos, OptiMed costs CHF 609.30 a month in 2026 and PrimaCare CHF 638.00, 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 344.40 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 609.30 | CHF 638.00 | CHF 344.40 |
| 500 | CHF 597.80 | CHF 626.50 | CHF 344.40 |
| 1'000 | CHF 568.80 | CHF 597.50 | CHF 344.40 |
| 1'500 | CHF 539.30 | CHF 568.00 | CHF 344.40 |
| 2'000 | CHF 510.30 | CHF 539.00 | CHF 344.40 |
| 2'500 | CHF 481.30 | CHF 510.00 | CHF 344.40 |
The comparison, region by region
- OptiMed or PrimaCare?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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.