Philos OptiMed — Basel-Stadt
Basel-Stadt: the OptiMed model from Philos costs CHF 652.50 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 652.50, OptiMed is not the lowest premium here: CSS goes down to CHF 575.90. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'327.20 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 652.50 | CHF 606.80 |
| 500 | CHF 641.00 | CHF 596.10 |
| 1'000 | CHF 612.00 | CHF 569.20 |
| 1'500 | CHF 582.50 | CHF 541.70 |
| 2'000 | CHF 553.50 | CHF 514.80 |
| 2'500 | CHF 524.50 | CHF 487.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 506.10 | CHF 470.60 |
| 500 | CHF 494.60 | CHF 459.90 |
| 1'000 | CHF 465.60 | CHF 433.00 |
| 1'500 | CHF 436.10 | CHF 405.50 |
| 2'000 | CHF 407.10 | CHF 378.60 |
| 2'500 | CHF 378.10 | CHF 351.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 150.90 | CHF 140.30 |
| 100 | CHF 145.10 | CHF 134.90 |
| 200 | CHF 139.30 | CHF 129.50 |
| 300 | CHF 133.40 | CHF 124.00 |
| 400 | CHF 127.60 | CHF 118.60 |
| 500 | CHF 121.80 | CHF 113.20 |
| 600 | CHF 115.90 | CHF 107.80 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- 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.