OptiMed or SanaTel — Geneva
Geneva: with Philos, OptiMed costs CHF 669.10 a month in 2026 and SanaTel CHF 669.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here OptiMed and SanaTel 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. SanaTel is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 669.10 | CHF 669.10 | — |
| 500 | CHF 657.60 | CHF 657.60 | — |
| 1'000 | CHF 628.60 | CHF 628.60 | — |
| 1'500 | CHF 599.10 | CHF 599.10 | — |
| 2'000 | CHF 570.10 | CHF 570.10 | — |
| 2'500 | CHF 541.10 | CHF 541.10 | — |
The comparison, region by region
- OptiMed or SanaTel?
- 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
- 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.