Philos OptiMed — Region 2, Valais
Region 2, Valais: the OptiMed model from Philos costs CHF 503.00 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 503.00, OptiMed is not the lowest premium here: Agrisano goes down to CHF 406.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'023.60 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 503.00 | CHF 467.80 |
| 500 | CHF 491.50 | CHF 457.10 |
| 1'000 | CHF 462.50 | CHF 430.10 |
| 1'500 | CHF 433.00 | CHF 402.70 |
| 2'000 | CHF 404.00 | CHF 375.70 |
| 2'500 | CHF 375.00 | CHF 348.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 370.80 | CHF 344.80 |
| 500 | CHF 359.30 | CHF 334.10 |
| 1'000 | CHF 330.30 | CHF 307.10 |
| 1'500 | CHF 300.80 | CHF 279.70 |
| 2'000 | CHF 271.80 | CHF 252.70 |
| 2'500 | CHF 242.80 | CHF 225.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.00 | CHF 105.10 |
| 100 | CHF 107.20 | CHF 99.70 |
| 200 | CHF 101.40 | CHF 94.30 |
| 300 | CHF 95.50 | CHF 88.90 |
| 400 | CHF 89.70 | CHF 83.50 |
| 500 | CHF 83.90 | CHF 78.10 |
| 600 | CHF 78.00 | CHF 72.60 |
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
- Uri
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.