Philos OptiMed — Region 3, Lucerne
Region 3, Lucerne: the OptiMed model from Philos costs CHF 467.30 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 467.30, OptiMed is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 913.20 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 467.30 | CHF 434.60 |
| 500 | CHF 455.80 | CHF 423.90 |
| 1'000 | CHF 426.80 | CHF 396.90 |
| 1'500 | CHF 397.30 | CHF 369.50 |
| 2'000 | CHF 368.30 | CHF 342.50 |
| 2'500 | CHF 339.30 | CHF 315.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 347.60 | CHF 323.20 |
| 500 | CHF 336.10 | CHF 312.60 |
| 1'000 | CHF 307.10 | CHF 285.60 |
| 1'500 | CHF 277.60 | CHF 258.10 |
| 2'000 | CHF 248.60 | CHF 231.20 |
| 2'500 | CHF 219.60 | CHF 204.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 115.80 | CHF 107.70 |
| 100 | CHF 110.00 | CHF 102.30 |
| 200 | CHF 104.20 | CHF 96.90 |
| 300 | CHF 98.30 | CHF 91.50 |
| 400 | CHF 92.50 | CHF 86.10 |
| 500 | CHF 86.70 | CHF 80.70 |
| 600 | CHF 80.80 | CHF 75.20 |
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 2
- 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.