Philos OptiMed — Region 3, Bern
Region 3, Bern: the OptiMed model from Philos costs CHF 536.20 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 536.20, OptiMed is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'135.20 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 536.20 | CHF 498.70 |
| 500 | CHF 524.70 | CHF 488.00 |
| 1'000 | CHF 495.70 | CHF 461.00 |
| 1'500 | CHF 466.20 | CHF 433.60 |
| 2'000 | CHF 437.20 | CHF 406.60 |
| 2'500 | CHF 408.20 | CHF 379.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 380.50 | CHF 353.80 |
| 500 | CHF 369.00 | CHF 343.20 |
| 1'000 | CHF 340.00 | CHF 316.20 |
| 1'500 | CHF 310.50 | CHF 288.70 |
| 2'000 | CHF 281.50 | CHF 261.80 |
| 2'500 | CHF 252.50 | CHF 234.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 121.80 | CHF 113.20 |
| 100 | CHF 116.00 | CHF 107.80 |
| 200 | CHF 110.20 | CHF 102.50 |
| 300 | CHF 104.30 | CHF 97.00 |
| 400 | CHF 98.50 | CHF 91.60 |
| 500 | CHF 92.70 | CHF 86.20 |
| 600 | CHF 86.80 | CHF 80.70 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.