OptiMed or SanaTel — Neuchâtel
Neuchâtel: with Philos, OptiMed costs CHF 641.40 a month in 2026 and SanaTel CHF 641.40, 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 641.40 | CHF 641.40 | — |
| 500 | CHF 629.90 | CHF 629.90 | — |
| 1'000 | CHF 600.90 | CHF 600.90 | — |
| 1'500 | CHF 571.40 | CHF 571.40 | — |
| 2'000 | CHF 542.40 | CHF 542.40 | — |
| 2'500 | CHF 513.40 | CHF 513.40 | — |
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
- Geneva
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- 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.