Philos OptiMed — Aargau
Aargau: the OptiMed model from Philos costs CHF 524.60 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 524.60, OptiMed is not the lowest premium here: Agrisano goes down to CHF 453.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'024.80 less per year than Philos's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 524.60 | CHF 487.90 |
| 500 | CHF 513.10 | CHF 477.20 |
| 1'000 | CHF 484.10 | CHF 450.30 |
| 1'500 | CHF 454.60 | CHF 422.80 |
| 2'000 | CHF 425.60 | CHF 395.90 |
| 2'500 | CHF 396.60 | CHF 368.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 392.30 | CHF 364.80 |
| 500 | CHF 380.80 | CHF 354.10 |
| 1'000 | CHF 351.80 | CHF 327.10 |
| 1'500 | CHF 322.30 | CHF 299.70 |
| 2'000 | CHF 293.30 | CHF 272.70 |
| 2'500 | CHF 264.30 | CHF 245.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 137.40 | CHF 127.80 |
| 100 | CHF 131.60 | CHF 122.40 |
| 200 | CHF 125.80 | CHF 117.00 |
| 300 | CHF 119.90 | CHF 111.50 |
| 400 | CHF 114.10 | CHF 106.10 |
| 500 | CHF 108.30 | CHF 100.70 |
| 600 | CHF 102.40 | CHF 95.20 |
The price, region by region
- 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
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.