Philos OptiMed — Thurgau
Thurgau: the OptiMed model from Philos costs CHF 497.70 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 497.70, OptiMed is not the lowest premium here: Agrisano goes down to CHF 429.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'012.80 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 497.70 | CHF 462.90 |
| 500 | CHF 486.20 | CHF 452.20 |
| 1'000 | CHF 457.20 | CHF 425.20 |
| 1'500 | CHF 427.70 | CHF 397.80 |
| 2'000 | CHF 398.70 | CHF 370.80 |
| 2'500 | CHF 369.70 | CHF 343.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 382.70 | CHF 355.90 |
| 500 | CHF 371.20 | CHF 345.20 |
| 1'000 | CHF 342.20 | CHF 318.20 |
| 1'500 | CHF 312.70 | CHF 290.80 |
| 2'000 | CHF 283.70 | CHF 263.80 |
| 2'500 | CHF 254.70 | CHF 236.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 132.30 | CHF 123.10 |
| 100 | CHF 126.50 | CHF 117.70 |
| 200 | CHF 120.70 | CHF 112.30 |
| 300 | CHF 114.80 | CHF 106.80 |
| 400 | CHF 109.00 | CHF 101.40 |
| 500 | CHF 103.20 | CHF 96.00 |
| 600 | CHF 97.30 | CHF 90.50 |
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
- Schwyz
- 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.