Philos OptiMed — Zug
Zug: the OptiMed model from Philos costs CHF 385.70 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 385.70, OptiMed is not the lowest premium here: Agrisano goes down to CHF 335.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 783.60 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 385.70 | CHF 358.70 |
| 500 | CHF 374.20 | CHF 348.00 |
| 1'000 | CHF 345.20 | CHF 321.00 |
| 1'500 | CHF 315.70 | CHF 293.60 |
| 2'000 | CHF 286.70 | CHF 266.60 |
| 2'500 | CHF 257.70 | CHF 239.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 292.50 | CHF 272.00 |
| 500 | CHF 281.00 | CHF 261.30 |
| 1'000 | CHF 252.00 | CHF 234.30 |
| 1'500 | CHF 222.50 | CHF 206.90 |
| 2'000 | CHF 193.50 | CHF 179.90 |
| 2'500 | CHF 180.70 | CHF 168.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 106.90 | CHF 99.40 |
| 100 | CHF 101.10 | CHF 94.00 |
| 200 | CHF 95.30 | CHF 88.60 |
| 300 | CHF 89.40 | CHF 83.20 |
| 400 | CHF 83.60 | CHF 77.80 |
| 500 | CHF 77.80 | CHF 72.40 |
| 600 | CHF 71.90 | CHF 66.90 |
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.