Philos OptiMed — Nidwalden
Nidwalden: the OptiMed model from Philos costs CHF 442.00 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 442.00, OptiMed is not the lowest premium here: Agrisano goes down to CHF 385.40. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 898.80 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 442.00 | CHF 411.10 |
| 500 | CHF 430.50 | CHF 400.40 |
| 1'000 | CHF 401.50 | CHF 373.40 |
| 1'500 | CHF 372.00 | CHF 346.00 |
| 2'000 | CHF 343.00 | CHF 319.00 |
| 2'500 | CHF 314.00 | CHF 292.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 322.70 | CHF 300.10 |
| 500 | CHF 311.20 | CHF 289.40 |
| 1'000 | CHF 282.20 | CHF 262.40 |
| 1'500 | CHF 252.70 | CHF 235.00 |
| 2'000 | CHF 223.70 | CHF 208.00 |
| 2'500 | CHF 199.30 | CHF 185.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 105.90 | CHF 98.50 |
| 100 | CHF 100.10 | CHF 93.10 |
| 200 | CHF 94.30 | CHF 87.70 |
| 300 | CHF 88.40 | CHF 82.20 |
| 400 | CHF 82.60 | CHF 76.80 |
| 500 | CHF 76.80 | CHF 71.50 |
| 600 | CHF 70.90 | CHF 66.00 |
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
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- 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.