Philos OptiMed — Solothurn
Solothurn: the OptiMed model from Philos costs CHF 548.90 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 548.90, OptiMed is not the lowest premium here: Agrisano goes down to CHF 486.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'116.00 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 548.90 | CHF 510.50 |
| 500 | CHF 537.40 | CHF 499.80 |
| 1'000 | CHF 508.40 | CHF 472.80 |
| 1'500 | CHF 478.90 | CHF 445.40 |
| 2'000 | CHF 449.90 | CHF 418.40 |
| 2'500 | CHF 420.90 | CHF 391.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 421.70 | CHF 392.20 |
| 500 | CHF 410.20 | CHF 381.50 |
| 1'000 | CHF 381.20 | CHF 354.50 |
| 1'500 | CHF 351.70 | CHF 327.10 |
| 2'000 | CHF 322.70 | CHF 300.10 |
| 2'500 | CHF 293.70 | CHF 273.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 128.40 | CHF 119.40 |
| 100 | CHF 122.60 | CHF 114.00 |
| 200 | CHF 116.80 | CHF 108.60 |
| 300 | CHF 110.90 | CHF 103.10 |
| 400 | CHF 105.10 | CHF 97.70 |
| 500 | CHF 99.30 | CHF 92.30 |
| 600 | CHF 93.40 | CHF 86.90 |
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 1
- Schaffhausen — Region 2
- 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.