Philos OptiMed — Region 1, Schaffhausen
Region 1, Schaffhausen: the OptiMed model from Philos costs CHF 532.70 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 532.70, OptiMed is not the lowest premium here: ÖKK goes down to CHF 480.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'083.60 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 532.70 | CHF 495.40 |
| 500 | CHF 521.20 | CHF 484.70 |
| 1'000 | CHF 492.20 | CHF 457.80 |
| 1'500 | CHF 462.70 | CHF 430.30 |
| 2'000 | CHF 433.70 | CHF 403.40 |
| 2'500 | CHF 404.70 | CHF 376.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 414.80 | CHF 385.80 |
| 500 | CHF 403.30 | CHF 375.10 |
| 1'000 | CHF 374.30 | CHF 348.10 |
| 1'500 | CHF 344.80 | CHF 320.70 |
| 2'000 | CHF 315.80 | CHF 293.70 |
| 2'500 | CHF 286.80 | CHF 266.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 123.10 | CHF 114.50 |
| 100 | CHF 117.30 | CHF 109.10 |
| 200 | CHF 111.50 | CHF 103.70 |
| 300 | CHF 105.60 | CHF 98.20 |
| 400 | CHF 99.80 | CHF 92.80 |
| 500 | CHF 94.00 | CHF 87.40 |
| 600 | CHF 88.10 | CHF 81.90 |
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
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- 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.