OptiMed or PrimaFlex — Schwyz
Schwyz: with Philos, OptiMed costs CHF 495.60 a month in 2026 and PrimaFlex CHF 495.60, 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 495.60 | CHF 495.60 | — |
| 500 | CHF 484.10 | CHF 484.60 | CHF 6.00 |
| 1'000 | CHF 455.10 | CHF 457.10 | CHF 24.00 |
| 1'500 | CHF 425.60 | CHF 429.10 | CHF 42.00 |
| 2'000 | CHF 396.60 | CHF 401.50 | CHF 58.80 |
| 2'500 | CHF 367.60 | CHF 374.00 | CHF 76.80 |
The comparison, region by region
- OptiMed or PrimaFlex?
- 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
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- 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.