Philos OptiMed — Region 2, Basel-Landschaft
Region 2, Basel-Landschaft: the OptiMed model from Philos costs CHF 594.00 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 594.00, OptiMed is not the lowest premium here: Agrisano goes down to CHF 494.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'209.60 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 594.00 | CHF 552.50 |
| 500 | CHF 582.50 | CHF 541.80 |
| 1'000 | CHF 553.50 | CHF 514.80 |
| 1'500 | CHF 524.00 | CHF 487.40 |
| 2'000 | CHF 495.00 | CHF 460.40 |
| 2'500 | CHF 466.00 | CHF 433.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 462.40 | CHF 430.00 |
| 500 | CHF 450.90 | CHF 419.30 |
| 1'000 | CHF 421.90 | CHF 392.40 |
| 1'500 | CHF 392.40 | CHF 364.90 |
| 2'000 | CHF 363.40 | CHF 338.00 |
| 2'500 | CHF 334.40 | CHF 311.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 153.00 | CHF 142.30 |
| 100 | CHF 147.20 | CHF 136.90 |
| 200 | CHF 141.40 | CHF 131.50 |
| 300 | CHF 135.50 | CHF 126.00 |
| 400 | CHF 129.70 | CHF 120.60 |
| 500 | CHF 123.90 | CHF 115.20 |
| 600 | CHF 118.00 | CHF 109.80 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- 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.