Philos OptiMed — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the OptiMed model from Philos costs CHF 525.40 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 525.40, OptiMed is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'026.00 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 525.40 | CHF 488.60 |
| 500 | CHF 513.90 | CHF 478.00 |
| 1'000 | CHF 484.90 | CHF 451.00 |
| 1'500 | CHF 455.40 | CHF 423.50 |
| 2'000 | CHF 426.40 | CHF 396.60 |
| 2'500 | CHF 397.40 | CHF 369.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 406.00 | CHF 377.60 |
| 500 | CHF 394.50 | CHF 366.90 |
| 1'000 | CHF 365.50 | CHF 339.90 |
| 1'500 | CHF 336.00 | CHF 312.50 |
| 2'000 | CHF 307.00 | CHF 285.50 |
| 2'500 | CHF 278.00 | CHF 258.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.10 | CHF 116.30 |
| 100 | CHF 119.30 | CHF 110.90 |
| 200 | CHF 113.50 | CHF 105.50 |
| 300 | CHF 107.60 | CHF 100.00 |
| 400 | CHF 101.80 | CHF 94.60 |
| 500 | CHF 96.00 | CHF 89.20 |
| 600 | CHF 90.10 | CHF 83.80 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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.