Philos OptiMed — Region 2, Vaud
Region 2, Vaud: the OptiMed model from Philos costs CHF 571.50 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 571.50, OptiMed is not the lowest premium here: Assura-Basis goes down to CHF 537.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'164.00 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 571.50 | CHF 531.50 |
| 500 | CHF 560.00 | CHF 520.80 |
| 1'000 | CHF 531.00 | CHF 493.90 |
| 1'500 | CHF 501.50 | CHF 466.40 |
| 2'000 | CHF 472.50 | CHF 439.50 |
| 2'500 | CHF 443.50 | CHF 412.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 412.00 | CHF 383.20 |
| 500 | CHF 400.50 | CHF 372.50 |
| 1'000 | CHF 371.50 | CHF 345.50 |
| 1'500 | CHF 342.00 | CHF 318.10 |
| 2'000 | CHF 313.00 | CHF 291.10 |
| 2'500 | CHF 284.00 | CHF 264.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 152.00 | CHF 141.30 |
| 100 | CHF 146.20 | CHF 135.90 |
| 200 | CHF 140.40 | CHF 130.60 |
| 300 | CHF 134.50 | CHF 125.10 |
| 400 | CHF 128.70 | CHF 119.70 |
| 500 | CHF 122.90 | CHF 114.30 |
| 600 | CHF 117.00 | CHF 108.80 |
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.