Philos OptiMed — Region 2, Zurich
Region 2, Zurich: the OptiMed model from Philos costs CHF 528.20 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 528.20, OptiMed is not the lowest premium here: Agrisano goes down to CHF 467.90. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 1'075.20 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 528.20 | CHF 491.30 |
| 500 | CHF 516.70 | CHF 480.60 |
| 1'000 | CHF 487.70 | CHF 453.60 |
| 1'500 | CHF 458.20 | CHF 426.20 |
| 2'000 | CHF 429.20 | CHF 399.20 |
| 2'500 | CHF 400.20 | CHF 372.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 411.10 | CHF 382.30 |
| 500 | CHF 399.60 | CHF 371.60 |
| 1'000 | CHF 370.60 | CHF 344.60 |
| 1'500 | CHF 341.10 | CHF 317.20 |
| 2'000 | CHF 312.10 | CHF 290.20 |
| 2'500 | CHF 283.10 | CHF 263.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 148.00 | CHF 137.60 |
| 100 | CHF 142.20 | CHF 132.20 |
| 200 | CHF 136.40 | CHF 126.80 |
| 300 | CHF 130.50 | CHF 121.30 |
| 400 | CHF 124.70 | CHF 115.90 |
| 500 | CHF 118.90 | CHF 110.60 |
| 600 | CHF 113.00 | CHF 105.10 |
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.