OptiMed or PrimaFlex — Appenzell Innerrhoden
Appenzell Innerrhoden: with Philos, OptiMed costs CHF 402.70 a month in 2026 and PrimaFlex CHF 402.70, 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 402.70 | CHF 402.70 | — |
| 500 | CHF 391.20 | CHF 391.70 | CHF 6.00 |
| 1'000 | CHF 362.20 | CHF 364.20 | CHF 24.00 |
| 1'500 | CHF 332.70 | CHF 336.20 | CHF 42.00 |
| 2'000 | CHF 303.70 | CHF 308.60 | CHF 58.80 |
| 2'500 | CHF 274.70 | CHF 281.10 | CHF 76.80 |
The comparison, region by region
- OptiMed or PrimaFlex?
- 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.