Philos OptiMed — Region 2, Bern
Region 2, Bern: the OptiMed model from Philos costs CHF 554.50 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 554.50, OptiMed is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'173.60 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 554.50 | CHF 515.70 |
| 500 | CHF 543.00 | CHF 505.00 |
| 1'000 | CHF 514.00 | CHF 478.00 |
| 1'500 | CHF 484.50 | CHF 450.60 |
| 2'000 | CHF 455.50 | CHF 423.60 |
| 2'500 | CHF 426.50 | CHF 396.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 393.40 | CHF 365.90 |
| 500 | CHF 381.90 | CHF 355.20 |
| 1'000 | CHF 352.90 | CHF 328.20 |
| 1'500 | CHF 323.40 | CHF 300.80 |
| 2'000 | CHF 294.40 | CHF 273.80 |
| 2'500 | CHF 265.40 | CHF 246.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.90 | CHF 117.10 |
| 100 | CHF 120.10 | CHF 111.70 |
| 200 | CHF 114.30 | CHF 106.30 |
| 300 | CHF 108.40 | CHF 100.80 |
| 400 | CHF 102.60 | CHF 95.40 |
| 500 | CHF 96.80 | CHF 90.00 |
| 600 | CHF 90.90 | CHF 84.50 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.