Philos OptiMed — Region 2, Fribourg
Region 2, Fribourg: the OptiMed model from Philos costs CHF 509.30 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 509.30, OptiMed is not the lowest premium here: Agrisano goes down to CHF 450.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'035.60 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 509.30 | CHF 473.60 |
| 500 | CHF 497.80 | CHF 462.90 |
| 1'000 | CHF 468.80 | CHF 436.00 |
| 1'500 | CHF 439.30 | CHF 408.50 |
| 2'000 | CHF 410.30 | CHF 381.50 |
| 2'500 | CHF 381.30 | CHF 354.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 392.10 | CHF 364.70 |
| 500 | CHF 380.60 | CHF 354.00 |
| 1'000 | CHF 351.60 | CHF 327.00 |
| 1'500 | CHF 322.10 | CHF 299.60 |
| 2'000 | CHF 293.10 | CHF 272.60 |
| 2'500 | CHF 264.10 | CHF 245.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 139.40 | CHF 129.60 |
| 100 | CHF 133.60 | CHF 124.20 |
| 200 | CHF 127.80 | CHF 118.90 |
| 300 | CHF 121.90 | CHF 113.40 |
| 400 | CHF 116.10 | CHF 108.00 |
| 500 | CHF 110.30 | CHF 102.60 |
| 600 | CHF 104.40 | CHF 97.10 |
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 1
- 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.