Philos OptiMed — Geneva
Geneva: the OptiMed model from Philos costs CHF 669.10 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 669.10, OptiMed is not the lowest premium here: Assura-Basis goes down to CHF 604.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'360.80 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 669.10 | CHF 622.30 |
| 500 | CHF 657.60 | CHF 611.60 |
| 1'000 | CHF 628.60 | CHF 584.60 |
| 1'500 | CHF 599.10 | CHF 557.20 |
| 2'000 | CHF 570.10 | CHF 530.20 |
| 2'500 | CHF 541.10 | CHF 503.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 518.90 | CHF 482.60 |
| 500 | CHF 507.40 | CHF 471.90 |
| 1'000 | CHF 478.40 | CHF 444.90 |
| 1'500 | CHF 448.90 | CHF 417.50 |
| 2'000 | CHF 419.90 | CHF 390.50 |
| 2'500 | CHF 390.90 | CHF 363.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 172.80 | CHF 160.70 |
| 100 | CHF 167.00 | CHF 155.30 |
| 200 | CHF 161.20 | CHF 149.90 |
| 300 | CHF 155.30 | CHF 144.40 |
| 400 | CHF 149.50 | CHF 139.00 |
| 500 | CHF 143.70 | CHF 133.60 |
| 600 | CHF 137.80 | CHF 128.10 |
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
- Fribourg — Region 2
- 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.