OptiMed or SanaTel — Region 2, Vaud
Region 2, Vaud: with Philos, OptiMed costs CHF 571.50 a month in 2026 and SanaTel CHF 548.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
SanaTel is the cheaper of the two here: CHF 280.80 saved per year against OptiMed, 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. SanaTel is a "Telemedicine and others" model.
The price at every deductible
| Deductible | OptiMed | SanaTel | Gap per year |
|---|---|---|---|
| 300 | CHF 571.50 | CHF 548.10 | CHF 280.80 |
| 500 | CHF 560.00 | CHF 536.60 | CHF 280.80 |
| 1'000 | CHF 531.00 | CHF 507.60 | CHF 280.80 |
| 1'500 | CHF 501.50 | CHF 478.10 | CHF 280.80 |
| 2'000 | CHF 472.50 | CHF 449.10 | CHF 280.80 |
| 2'500 | CHF 443.50 | CHF 420.10 | CHF 280.80 |
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
- 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
- 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.