Philos OptiMed — Region 1, Fribourg
Region 1, Fribourg: the OptiMed model from Philos costs CHF 547.60 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 547.60, OptiMed is not the lowest premium here: Vivao Sympany goes down to CHF 501.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'113.60 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 547.60 | CHF 509.30 |
| 500 | CHF 536.10 | CHF 498.60 |
| 1'000 | CHF 507.10 | CHF 471.60 |
| 1'500 | CHF 477.60 | CHF 444.20 |
| 2'000 | CHF 448.60 | CHF 417.20 |
| 2'500 | CHF 419.60 | CHF 390.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 421.60 | CHF 392.10 |
| 500 | CHF 410.10 | CHF 381.40 |
| 1'000 | CHF 381.10 | CHF 354.40 |
| 1'500 | CHF 351.60 | CHF 327.00 |
| 2'000 | CHF 322.60 | CHF 300.00 |
| 2'500 | CHF 293.60 | CHF 273.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 149.90 | CHF 139.40 |
| 100 | CHF 144.10 | CHF 134.00 |
| 200 | CHF 138.30 | CHF 128.60 |
| 300 | CHF 132.40 | CHF 123.10 |
| 400 | CHF 126.60 | CHF 117.70 |
| 500 | CHF 120.80 | CHF 112.30 |
| 600 | CHF 114.90 | CHF 106.80 |
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
- Basel-Stadt
- 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.