Philos OptiMed — Uri
Uri: the OptiMed model from Philos costs CHF 482.00 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 482.00, OptiMed is not the lowest premium here: Agrisano goes down to CHF 376.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 980.40 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 482.00 | CHF 448.30 |
| 500 | CHF 470.50 | CHF 437.60 |
| 1'000 | CHF 441.50 | CHF 410.60 |
| 1'500 | CHF 412.00 | CHF 383.20 |
| 2'000 | CHF 383.00 | CHF 356.20 |
| 2'500 | CHF 354.00 | CHF 329.20 |
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 116.70 | CHF 108.50 |
| 100 | CHF 110.90 | CHF 103.10 |
| 200 | CHF 105.10 | CHF 97.70 |
| 300 | CHF 99.20 | CHF 92.20 |
| 400 | CHF 93.40 | CHF 86.80 |
| 500 | CHF 87.60 | CHF 81.40 |
| 600 | CHF 81.70 | CHF 76.00 |
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
- Thurgau
- 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.