Philos OptiMed — Region 3, Grisons
Region 3, Grisons: the OptiMed model from Philos costs CHF 461.00 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 461.00, OptiMed is not the lowest premium here: vita surselva goes down to CHF 404.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 937.20 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 461.00 | CHF 428.70 |
| 500 | CHF 449.50 | CHF 418.00 |
| 1'000 | CHF 420.50 | CHF 391.10 |
| 1'500 | CHF 391.00 | CHF 363.60 |
| 2'000 | CHF 362.00 | CHF 336.60 |
| 2'500 | CHF 333.00 | CHF 309.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 373.90 | CHF 347.70 |
| 500 | CHF 362.40 | CHF 337.00 |
| 1'000 | CHF 333.40 | CHF 310.00 |
| 1'500 | CHF 303.90 | CHF 282.60 |
| 2'000 | CHF 274.90 | CHF 255.60 |
| 2'500 | CHF 245.90 | CHF 228.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.00 | CHF 111.60 |
| 100 | CHF 114.20 | CHF 106.20 |
| 200 | CHF 108.40 | CHF 100.80 |
| 300 | CHF 102.50 | CHF 95.30 |
| 400 | CHF 96.70 | CHF 89.90 |
| 500 | CHF 90.90 | CHF 84.50 |
| 600 | CHF 85.00 | CHF 79.00 |
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 2
- 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.