Philos OptiMed — Region 1, Zurich
Region 1, Zurich: the OptiMed model from Philos costs CHF 593.50 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 593.50, OptiMed is not the lowest premium here: Atupri goes down to CHF 517.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'207.20 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 593.50 | CHF 552.00 |
| 500 | CHF 582.00 | CHF 541.30 |
| 1'000 | CHF 553.00 | CHF 514.30 |
| 1'500 | CHF 523.50 | CHF 486.90 |
| 2'000 | CHF 494.50 | CHF 459.90 |
| 2'500 | CHF 465.50 | CHF 432.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 461.90 | CHF 429.50 |
| 500 | CHF 450.40 | CHF 418.90 |
| 1'000 | CHF 421.40 | CHF 391.90 |
| 1'500 | CHF 391.90 | CHF 364.40 |
| 2'000 | CHF 362.90 | CHF 337.50 |
| 2'500 | CHF 333.90 | CHF 310.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 166.30 | CHF 154.60 |
| 100 | CHF 160.50 | CHF 149.20 |
| 200 | CHF 154.70 | CHF 143.80 |
| 300 | CHF 148.80 | CHF 138.30 |
| 400 | CHF 143.00 | CHF 132.90 |
| 500 | CHF 137.20 | CHF 127.60 |
| 600 | CHF 131.30 | CHF 122.10 |
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.