Philos OptiMed — Region 2, St. Gallen
Region 2, St. Gallen: the OptiMed model from Philos costs CHF 518.20 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 518.20, OptiMed is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'053.60 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 518.20 | CHF 481.90 |
| 500 | CHF 506.70 | CHF 471.20 |
| 1'000 | CHF 477.70 | CHF 444.20 |
| 1'500 | CHF 448.20 | CHF 416.80 |
| 2'000 | CHF 419.20 | CHF 389.80 |
| 2'500 | CHF 390.20 | CHF 362.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 397.40 | CHF 369.60 |
| 500 | CHF 385.90 | CHF 358.90 |
| 1'000 | CHF 356.90 | CHF 331.90 |
| 1'500 | CHF 327.40 | CHF 304.50 |
| 2'000 | CHF 298.40 | CHF 277.50 |
| 2'500 | CHF 269.40 | CHF 250.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.70 | CHF 115.90 |
| 100 | CHF 118.90 | CHF 110.50 |
| 200 | CHF 113.10 | CHF 105.20 |
| 300 | CHF 107.20 | CHF 99.70 |
| 400 | CHF 101.40 | CHF 94.30 |
| 500 | CHF 95.60 | CHF 88.90 |
| 600 | CHF 89.70 | CHF 83.40 |
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 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.