Philos OptiMed — Region 3, St. Gallen

Name: Philos OptiMed — Region 3, St. Gallen
Brand: Philos
Price: 512.5 CHF

Region 3, St. Gallen: the OptiMed model from Philos costs CHF 512.50 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 512.50, OptiMed is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.

On average, OptiMed costs CHF 1'042.80 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 512.50	CHF 476.60
500	CHF 501.00	CHF 465.90
1'000	CHF 472.00	CHF 438.90
1'500	CHF 442.50	CHF 411.50
2'000	CHF 413.50	CHF 384.50
2'500	CHF 384.50	CHF 357.60

Young adult (19–25)

Deductible	With accident	Without accident
300	CHF 393.00	CHF 365.50
500	CHF 381.50	CHF 354.80
1'000	CHF 352.50	CHF 327.80
1'500	CHF 323.00	CHF 300.40
2'000	CHF 294.00	CHF 273.40
2'500	CHF 265.00	CHF 246.50

Child (0–18)

Deductible	With accident	Without accident
0	CHF 123.30	CHF 114.70
100	CHF 117.50	CHF 109.30
200	CHF 111.70	CHF 103.90
300	CHF 105.80	CHF 98.40
400	CHF 100.00	CHF 93.00
500	CHF 94.20	CHF 87.60
600	CHF 88.30	CHF 82.10

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer Philos OptiMed

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.

Philos OptiMed — Region 3, St. Gallen

The full grid

Adult (26 and over)

Young adult (19–25)

Child (0–18)

The price, region by region