Philos OptiMed — Region 2, Lucerne
Region 2, Lucerne: the OptiMed model from Philos costs CHF 485.20 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 485.20, OptiMed is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 948.00 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 485.20 | CHF 451.20 |
| 500 | CHF 473.70 | CHF 440.50 |
| 1'000 | CHF 444.70 | CHF 413.60 |
| 1'500 | CHF 415.20 | CHF 386.10 |
| 2'000 | CHF 386.20 | CHF 359.20 |
| 2'500 | CHF 357.20 | CHF 332.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 360.90 | CHF 335.60 |
| 500 | CHF 349.40 | CHF 324.90 |
| 1'000 | CHF 320.40 | CHF 297.90 |
| 1'500 | CHF 290.90 | CHF 270.50 |
| 2'000 | CHF 261.90 | CHF 243.50 |
| 2'500 | CHF 232.90 | CHF 216.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 120.30 | CHF 111.80 |
| 100 | CHF 114.50 | CHF 106.50 |
| 200 | CHF 108.70 | CHF 101.10 |
| 300 | CHF 102.80 | CHF 95.60 |
| 400 | CHF 97.00 | CHF 90.20 |
| 500 | CHF 91.20 | CHF 84.80 |
| 600 | CHF 85.30 | CHF 79.30 |
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
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- 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.