OptiMed or PrimaCare — Neuchâtel
Neuchâtel: with Philos, OptiMed costs CHF 641.40 a month in 2026 and PrimaCare CHF 671.40, 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 360.00 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 641.40 | CHF 671.40 | CHF 360.00 |
| 500 | CHF 629.90 | CHF 659.90 | CHF 360.00 |
| 1'000 | CHF 600.90 | CHF 630.90 | CHF 360.00 |
| 1'500 | CHF 571.40 | CHF 601.40 | CHF 360.00 |
| 2'000 | CHF 542.40 | CHF 572.40 | CHF 360.00 |
| 2'500 | CHF 513.40 | CHF 543.40 | CHF 360.00 |
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 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- 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.