OptiMed or PrimaFlex — Region 1, Vaud
Region 1, Vaud: with Philos, OptiMed costs CHF 653.20 a month in 2026 and PrimaFlex CHF 657.00, 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 45.60 saved per year against PrimaFlex, 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. PrimaFlex is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | PrimaFlex | Gap per year |
|---|---|---|---|
| 300 | CHF 653.20 | CHF 657.00 | CHF 45.60 |
| 500 | CHF 641.70 | CHF 646.00 | CHF 51.60 |
| 1'000 | CHF 612.70 | CHF 618.50 | CHF 69.60 |
| 1'500 | CHF 583.20 | CHF 590.50 | CHF 87.60 |
| 2'000 | CHF 554.20 | CHF 562.90 | CHF 104.40 |
| 2'500 | CHF 525.20 | CHF 535.40 | CHF 122.40 |
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
- Schwyz
- Thurgau
- Uri
- 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.