Philos OptiMed — Region 2, Grisons
Region 2, Grisons: the OptiMed model from Philos costs CHF 481.50 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 481.50, OptiMed is not the lowest premium here: Agrisano goes down to CHF 418.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 979.20 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 481.50 | CHF 447.80 |
| 500 | CHF 470.00 | CHF 437.10 |
| 1'000 | CHF 441.00 | CHF 410.10 |
| 1'500 | CHF 411.50 | CHF 382.70 |
| 2'000 | CHF 382.50 | CHF 355.70 |
| 2'500 | CHF 353.50 | CHF 328.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 390.50 | CHF 363.20 |
| 500 | CHF 379.00 | CHF 352.50 |
| 1'000 | CHF 350.00 | CHF 325.50 |
| 1'500 | CHF 320.50 | CHF 298.10 |
| 2'000 | CHF 291.50 | CHF 271.10 |
| 2'500 | CHF 262.50 | CHF 244.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.30 | CHF 116.60 |
| 100 | CHF 119.50 | CHF 111.20 |
| 200 | CHF 113.70 | CHF 105.80 |
| 300 | CHF 107.80 | CHF 100.30 |
| 400 | CHF 102.00 | CHF 94.90 |
| 500 | CHF 96.20 | CHF 89.50 |
| 600 | CHF 90.30 | CHF 84.00 |
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 1
- 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.