Philos OptiMed — Region 1, St. Gallen
Region 1, St. Gallen: the OptiMed model from Philos costs CHF 569.40 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 569.40, OptiMed is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'158.00 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 569.40 | CHF 529.50 |
| 500 | CHF 557.90 | CHF 518.80 |
| 1'000 | CHF 528.90 | CHF 491.90 |
| 1'500 | CHF 499.40 | CHF 464.40 |
| 2'000 | CHF 470.40 | CHF 437.50 |
| 2'500 | CHF 441.40 | CHF 410.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 436.70 | CHF 406.10 |
| 500 | CHF 425.20 | CHF 395.40 |
| 1'000 | CHF 396.20 | CHF 368.40 |
| 1'500 | CHF 366.70 | CHF 341.00 |
| 2'000 | CHF 337.70 | CHF 314.00 |
| 2'500 | CHF 308.70 | CHF 287.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 137.00 | CHF 127.40 |
| 100 | CHF 131.20 | CHF 122.00 |
| 200 | CHF 125.40 | CHF 116.60 |
| 300 | CHF 119.50 | CHF 111.10 |
| 400 | CHF 113.70 | CHF 105.70 |
| 500 | CHF 107.90 | CHF 100.30 |
| 600 | CHF 102.00 | CHF 94.80 |
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 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.