OptiMed or PrimaCare — Region 2, Grisons
Region 2, Grisons: with Philos, OptiMed costs CHF 481.50 a month in 2026 and PrimaCare CHF 504.00, 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 270.00 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 481.50 | CHF 504.00 | CHF 270.00 |
| 500 | CHF 470.00 | CHF 492.50 | CHF 270.00 |
| 1'000 | CHF 441.00 | CHF 463.50 | CHF 270.00 |
| 1'500 | CHF 411.50 | CHF 434.00 | CHF 270.00 |
| 2'000 | CHF 382.50 | CHF 405.00 | CHF 270.00 |
| 2'500 | CHF 353.50 | CHF 376.00 | CHF 270.00 |
The comparison, region by region
- OptiMed or PrimaCare?
- 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 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.