Philos OptiMed — Neuchâtel
Neuchâtel: the OptiMed model from Philos costs CHF 641.40 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 641.40, OptiMed is not the lowest premium here: Visana goes down to CHF 554.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'304.40 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 641.40 | CHF 596.50 |
| 500 | CHF 629.90 | CHF 585.80 |
| 1'000 | CHF 600.90 | CHF 558.80 |
| 1'500 | CHF 571.40 | CHF 531.40 |
| 2'000 | CHF 542.40 | CHF 504.40 |
| 2'500 | CHF 513.40 | CHF 477.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 487.20 | CHF 453.10 |
| 500 | CHF 475.70 | CHF 442.50 |
| 1'000 | CHF 446.70 | CHF 415.50 |
| 1'500 | CHF 417.20 | CHF 388.00 |
| 2'000 | CHF 388.20 | CHF 361.10 |
| 2'500 | CHF 359.20 | CHF 334.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 154.20 | CHF 143.40 |
| 100 | CHF 148.40 | CHF 138.00 |
| 200 | CHF 142.60 | CHF 132.60 |
| 300 | CHF 136.70 | CHF 127.10 |
| 400 | CHF 130.90 | CHF 121.70 |
| 500 | CHF 125.10 | CHF 116.30 |
| 600 | CHF 119.20 | CHF 110.80 |
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
- Lucerne — Region 3
- 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.