Philos OptiMed — Schwyz
Schwyz: the OptiMed model from Philos costs CHF 495.60 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 495.60, OptiMed is not the lowest premium here: Agrisano goes down to CHF 400.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'008.00 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 495.60 | CHF 460.90 |
| 500 | CHF 484.10 | CHF 450.20 |
| 1'000 | CHF 455.10 | CHF 423.30 |
| 1'500 | CHF 425.60 | CHF 395.80 |
| 2'000 | CHF 396.60 | CHF 368.80 |
| 2'500 | CHF 367.60 | CHF 341.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 373.30 | CHF 347.20 |
| 500 | CHF 361.80 | CHF 336.50 |
| 1'000 | CHF 332.80 | CHF 309.50 |
| 1'500 | CHF 303.30 | CHF 282.10 |
| 2'000 | CHF 274.30 | CHF 255.10 |
| 2'500 | CHF 245.30 | CHF 228.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 129.40 | CHF 120.30 |
| 100 | CHF 123.60 | CHF 114.90 |
| 200 | CHF 117.80 | CHF 109.50 |
| 300 | CHF 111.90 | CHF 104.00 |
| 400 | CHF 106.10 | CHF 98.70 |
| 500 | CHF 100.30 | CHF 93.30 |
| 600 | CHF 94.40 | CHF 87.80 |
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
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- 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.