Philos OptiMed — Region 1, Basel-Landschaft
Region 1, Basel-Landschaft: the OptiMed model from Philos costs CHF 625.30 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 625.30, OptiMed is not the lowest premium here: Sanitas goes down to CHF 558.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'272.00 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 625.30 | CHF 581.50 |
| 500 | CHF 613.80 | CHF 570.80 |
| 1'000 | CHF 584.80 | CHF 543.90 |
| 1'500 | CHF 555.30 | CHF 516.40 |
| 2'000 | CHF 526.30 | CHF 489.50 |
| 2'500 | CHF 497.30 | CHF 462.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 486.70 | CHF 452.70 |
| 500 | CHF 475.20 | CHF 442.00 |
| 1'000 | CHF 446.20 | CHF 415.00 |
| 1'500 | CHF 416.70 | CHF 387.60 |
| 2'000 | CHF 387.70 | CHF 360.60 |
| 2'500 | CHF 358.70 | CHF 333.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 161.10 | CHF 149.80 |
| 100 | CHF 155.30 | CHF 144.40 |
| 200 | CHF 149.50 | CHF 139.00 |
| 300 | CHF 143.60 | CHF 133.50 |
| 400 | CHF 137.80 | CHF 128.10 |
| 500 | CHF 132.00 | CHF 122.70 |
| 600 | CHF 126.10 | CHF 117.20 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- 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.