OptiMed or PrimaFlex — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Philos, OptiMed costs CHF 525.40 a month in 2026 and PrimaFlex CHF 525.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here OptiMed and PrimaFlex cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
What you accept in each case
OptiMed is a "Group practice (HMO)" model. PrimaFlex is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | PrimaFlex | Gap per year |
|---|---|---|---|
| 300 | CHF 525.40 | CHF 525.40 | — |
| 500 | CHF 513.90 | CHF 514.40 | CHF 6.00 |
| 1'000 | CHF 484.90 | CHF 486.90 | CHF 24.00 |
| 1'500 | CHF 455.40 | CHF 458.90 | CHF 42.00 |
| 2'000 | CHF 426.40 | CHF 431.30 | CHF 58.80 |
| 2'500 | CHF 397.40 | CHF 403.80 | CHF 76.80 |
The comparison, region by region
- OptiMed or PrimaFlex?
- Aargau
- Appenzell Innerrhoden
- 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.