Philos OptiMed — Region 1, Grisons
Region 1, Grisons: the OptiMed model from Philos costs CHF 512.20 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 512.20, OptiMed is not the lowest premium here: Sanitas goes down to CHF 453.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'041.60 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 512.20 | CHF 476.30 |
| 500 | CHF 500.70 | CHF 465.60 |
| 1'000 | CHF 471.70 | CHF 438.70 |
| 1'500 | CHF 442.20 | CHF 411.20 |
| 2'000 | CHF 413.20 | CHF 384.30 |
| 2'500 | CHF 384.20 | CHF 357.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 415.40 | CHF 386.30 |
| 500 | CHF 403.90 | CHF 375.60 |
| 1'000 | CHF 374.90 | CHF 348.70 |
| 1'500 | CHF 345.40 | CHF 321.20 |
| 2'000 | CHF 316.40 | CHF 294.30 |
| 2'500 | CHF 287.40 | CHF 267.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 133.30 | CHF 124.00 |
| 100 | CHF 127.50 | CHF 118.60 |
| 200 | CHF 121.70 | CHF 113.20 |
| 300 | CHF 115.80 | CHF 107.70 |
| 400 | CHF 110.00 | CHF 102.30 |
| 500 | CHF 104.20 | CHF 96.90 |
| 600 | CHF 98.30 | CHF 91.40 |
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
- Geneva
- 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.