# Health insurance premiums 2027 in Appenzell (AI), for an adult aged 26 or over who wants a deductible of 300 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · adult (26 and over) · with accident cover · monthly premiums in CHF_

In [Appenzell](https://praemiencheck.onedoc.ch/en/ai/appenzell/) ([canton Appenzell Innerrhoden](https://praemiencheck.onedoc.ch/en/ai/)), in 2027, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/) with a 300 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/), the cheapest monthly basic insurance premium is **371.95 CHF** with **KPT** (KPTwin.smart - GP with app model) and the most expensive is 562.75 CHF with Groupe Mutuel – Avenir (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (300 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 371.95 | 360.35 | 331.15 | 301.95 | — | 243.65 | +3.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 374.65 | 363.05 | 333.85 | 304.65 | 275.55 | 246.35 | +3.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 376.05 | 364.45 | 335.25 | 306.05 | 276.95 | 247.75 | New tariff 2027 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 377.05 | 365.45 | 336.25 | 307.05 | 277.95 | 248.75 | −9.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 381.45 | 369.85 | 340.65 | 311.45 | 282.35 | 253.15 | −8.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 382.75 | 372.65 | 347.45 | 322.25 | 296.95 | 271.75 | +9.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 385.95 | 374.35 | 345.15 | 315.95 | 286.85 | 257.65 | −9.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 385.95 | 374.35 | 345.15 | 315.95 | 286.85 | 257.65 | −7.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 387.45 | 375.85 | 346.65 | 317.45 | — | 259.15 | +3.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 387.45 | 375.85 | 346.65 | 317.45 | — | 259.15 | +3.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 387.65 | 376.05 | 346.85 | 317.65 | 288.55 | 259.35 | +3.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 389.35 | 377.75 | 348.55 | 319.35 | 290.25 | 261.05 | +6.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 390.55 | 378.95 | 349.75 | 320.55 | — | 262.25 | +3.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 391.35 | 379.75 | 350.55 | 321.35 | 292.25 | 263.05 | +7.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 391.55 | 381.35 | 355.65 | 329.95 | 304.35 | 278.65 | +4.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 393.75 | 382.15 | 352.95 | 323.75 | 294.65 | 265.45 | +6.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 394.25 | 382.65 | 353.45 | 324.25 | 295.15 | 265.95 | +3.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 394.85 | 383.25 | 354.05 | 324.85 | 295.75 | 266.55 | −8.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 398.40 | 386.75 | 357.60 | 328.40 | 299.25 | 270.10 | +6.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 398.55 | 386.95 | 357.75 | 328.55 | 299.45 | 270.25 | +3.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 398.75 | 387.15 | 357.95 | 328.75 | 299.65 | 270.45 | +6.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 400.55 | 390.05 | 363.85 | 337.55 | 311.35 | 285.05 | +4.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 400.65 | 389.05 | 359.85 | 330.65 | 301.55 | 272.35 | +7.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 401.35 | 389.75 | 360.55 | 331.35 | 302.25 | 273.05 | +8.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 402.45 | 390.85 | 366.25 | 337.05 | 312.45 | 283.25 | +4.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 403.05 | 391.45 | 362.25 | 333.05 | — | 274.75 | +1.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 403.65 | 392.05 | 362.85 | 333.65 | 304.55 | 275.35 | −9.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 403.65 | 392.05 | 362.85 | 333.65 | 304.55 | 275.35 | −10.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 405.05 | 394.45 | 367.85 | 341.35 | 314.85 | 288.25 | +4.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 405.15 | 394.45 | 367.85 | 341.15 | 314.45 | 287.75 | +10.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 405.75 | 394.15 | 364.95 | 335.75 | 306.65 | 277.45 | +8.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 405.85 | 394.25 | 365.05 | 335.85 | 306.75 | 277.55 | +7.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 405.85 | 394.25 | 365.05 | 335.85 | 306.75 | 277.55 | +7.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 406.35 | 394.75 | 365.55 | 336.35 | 307.25 | 278.05 | +14.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 406.35 | 394.75 | 365.55 | 336.35 | 307.25 | 278.05 | +14.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 407.45 | 396.65 | 369.85 | 343.05 | 316.15 | 289.35 | +9.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 408.05 | 396.45 | 367.25 | 338.05 | 308.95 | 279.75 | +6.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 409.35 | 397.65 | 373.05 | 343.95 | 310.15 | 281.05 | +6.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 409.35 | 397.65 | 373.05 | 343.95 | 310.15 | 281.05 | New tariff 2027 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 410.35 | 398.75 | 369.55 | 340.35 | 311.25 | 282.05 | +10.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 412.30 | 400.65 | 371.50 | 342.30 | 313.15 | 284.00 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 412.65 | 400.95 | 371.85 | 342.65 | 313.45 | 284.35 | +4.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 414.65 | 403.05 | 373.85 | 344.65 | 315.55 | 286.35 | +7.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 415.85 | 404.25 | 375.05 | 345.85 | 316.75 | 287.55 | +6.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 415.85 | 404.25 | 375.05 | 345.85 | 316.75 | 287.55 | +6.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 415.95 | 404.25 | 375.15 | 345.95 | 316.75 | 287.65 | +14.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 415.95 | 404.25 | 375.15 | 345.95 | 316.75 | 287.65 | +14.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 416.15 | 409.15 | 384.55 | 355.35 | 326.15 | 297.05 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 416.15 | 404.55 | 379.95 | 350.75 | 317.05 | 287.85 | +8.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 416.95 | 405.35 | 376.15 | 346.95 | 317.85 | 288.65 | +7.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 416.95 | 405.30 | 376.15 | 346.95 | 317.80 | 288.65 | +6.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 417.45 | 405.95 | 376.95 | 347.45 | 318.45 | 289.45 | 0.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 419.85 | 408.35 | 379.35 | 349.85 | 320.85 | 291.85 | 0.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 420.05 | 408.55 | 379.55 | 350.05 | 321.05 | 292.05 | +5.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 420.05 | 409.05 | 381.55 | 353.55 | 325.95 | 298.45 | +5.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 420.05 | 413.35 | 379.25 | 350.05 | 320.85 | 291.75 | +5.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 420.05 | 413.35 | 379.25 | 350.05 | 320.85 | 291.75 | +3.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 421.15 | 410.15 | 382.65 | 354.65 | 327.05 | 299.55 | 0.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 421.60 | 409.95 | 380.80 | 351.60 | 322.45 | 293.30 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 421.85 | 410.25 | 381.05 | 351.85 | 322.75 | 293.55 | +4.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 422.55 | 411.05 | 382.05 | 352.55 | 323.55 | 294.55 | +5.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 423.85 | 413.05 | 386.25 | 359.55 | 332.65 | 305.85 | +4.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 423.85 | 413.05 | 386.25 | 359.55 | 332.65 | 305.85 | +4.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 426.20 | 414.55 | 385.40 | 356.20 | 327.05 | 297.90 | +6.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 426.20 | 414.55 | 385.40 | 356.20 | 327.05 | 297.90 | +6.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 426.20 | 414.55 | 385.40 | 356.20 | 327.05 | 297.90 | +6.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 429.95 | 423.25 | 389.05 | 359.95 | 330.75 | 301.55 | +3.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 429.95 | 423.25 | 389.05 | 359.95 | 330.75 | 301.55 | +3.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 431.25 | 419.65 | 390.45 | 361.25 | 332.15 | 302.95 | +3.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 432.05 | 420.35 | 391.25 | 362.05 | 332.85 | 303.75 | +4.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 434.05 | 422.45 | 393.25 | 364.05 | — | 305.75 | +3.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 434.35 | 422.85 | 393.85 | 364.35 | 335.35 | 306.35 | 0.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 434.85 | 428.15 | 394.05 | 364.85 | 335.65 | 306.55 | +3.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 436.95 | 425.25 | 396.05 | 366.95 | 337.75 | 308.55 | +4.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 437.95 | 426.35 | 397.15 | 367.95 | 338.85 | 309.65 | +6.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 438.65 | 427.05 | 397.85 | 368.65 | 339.55 | 310.35 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 439.05 | 431.95 | 407.35 | 378.25 | 349.05 | 319.85 | +7.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 439.25 | 427.65 | 398.45 | 369.25 | 340.15 | 310.95 | −10.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 439.85 | 428.75 | 399.85 | 373.15 | 342.05 | 315.35 | +3.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 439.95 | 428.45 | 399.45 | 369.95 | 340.95 | 311.95 | +5.5 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 441.65 | 431.15 | 404.15 | 377.65 | 350.65 | 323.65 | +4.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 443.25 | 431.55 | 402.45 | 373.25 | 344.05 | 314.95 | +9.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 444.65 | 432.95 | 403.75 | 374.65 | 345.45 | 316.25 | +14.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 445.55 | 433.95 | 404.75 | 375.55 | 346.45 | 317.25 | +4.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 445.95 | 434.25 | 405.15 | 375.95 | 346.75 | 317.65 | +5.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 446.45 | 434.85 | 405.65 | 376.45 | 347.35 | 318.15 | +7.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 447.55 | 435.85 | 406.65 | 377.55 | 348.35 | 319.15 | +5.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 452.75 | 441.15 | 411.95 | 382.75 | 353.65 | 324.45 | +4.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 453.25 | 441.65 | 412.45 | 383.25 | 354.15 | 324.95 | +5.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 456.35 | 444.65 | 415.45 | 386.35 | 357.15 | 327.95 | +4.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 456.45 | 444.75 | 415.55 | 386.45 | 357.25 | 328.05 | +5.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 458.65 | 447.00 | 417.85 | 388.65 | 359.50 | 330.35 | +6.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 460.05 | 448.45 | 419.25 | 390.05 | 360.95 | 331.75 | +4.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 461.05 | 449.55 | 420.25 | 391.05 | 361.95 | 332.75 | +4.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 461.25 | 449.65 | 420.45 | 391.25 | 362.15 | 332.95 | +7.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 461.65 | 450.05 | 420.85 | 391.65 | 362.55 | 333.35 | +8.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 463.25 | 453.90 | 425.80 | 397.75 | 364.95 | 336.90 | +3.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 464.05 | 452.45 | 425.05 | 397.05 | 369.05 | 341.05 | +4.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 464.45 | 457.85 | 423.65 | 394.45 | 365.35 | 336.15 | +3.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 473.25 | 461.65 | 432.45 | 403.25 | 374.15 | 344.95 | +14.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 477.75 | 466.25 | 437.25 | 407.75 | 378.75 | 349.75 | 0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 480.55 | 468.85 | 439.75 | 410.55 | 381.35 | 352.25 | +4.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 483.85 | 473.75 | 448.35 | 422.95 | 397.55 | 363.55 | +4.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 489.15 | 482.45 | 448.35 | 419.15 | 389.95 | 360.85 | +3.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 491.25 | 479.65 | 450.45 | 421.25 | 392.15 | 363.25 | +4.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 491.85 | 480.35 | 451.35 | 421.85 | 392.85 | 363.85 | +4.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 492.05 | 480.55 | 451.55 | 422.05 | 393.05 | 364.05 | +5.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 494.65 | 483.65 | 456.15 | 428.15 | 400.55 | 373.05 | +4.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 503.25 | 491.75 | 462.75 | 433.25 | 404.25 | 375.25 | +4.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 503.25 | 491.75 | 462.75 | 433.25 | 404.25 | 375.25 | +4.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 511.85 | 500.25 | 471.05 | 441.95 | 412.75 | 383.75 | +4.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 519.25 | 507.55 | 478.45 | 449.25 | 420.05 | 390.95 | +5.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 529.45 | 517.85 | 488.65 | 459.45 | 430.35 | 401.15 | +4.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 556.75 | 545.15 | 515.95 | 486.85 | 457.65 | 428.45 | +4.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 562.75 | 551.25 | 522.25 | 492.75 | 463.75 | 434.75 | +4.5 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Appenzell for an adult aged 26 or over with a deductible of 300 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/), the cheapest offer in [Appenzell](https://praemiencheck.onedoc.ch/en/ai/appenzell/) is KPT (KPTwin.smart - GP with app) at 371.95 CHF a month. The cheapest standard model (free choice of doctor) is ÖKK (Standard model) at 431.25 CHF a month.

### How much does health insurance cost in Appenzell in 2027 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/) with a deductible of 300 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/), monthly premiums run from 371.95 CHF (KPT, KPTwin.smart - GP with app) to 562.75 CHF (Groupe Mutuel – Avenir, Standard model): 115 offers from 23 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 335.75 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Appenzell for an adult aged 26 or over with accident cover?

On the cheapest offer (KPT, KPTwin.smart - GP with app), the premium goes from 371.95 CHF a month with the 300 CHF deductible to 243.65 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/deductible-2500/): 128.30 CHF less a month, 1'539.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 2'011 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Appenzell for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 300 CHF and with accident cover, the cheapest premium per model is: standard model 431.25 CHF (ÖKK), family doctor / HMO 374.65 CHF (ÖKK), flexible model 385.95 CHF (Helsana), telemedicine 371.95 CHF (KPT).

### Why is the FOPH-approved premium higher than the price shown?

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 376.70 CHF at KPT (KPTwin.smart - GP with app) gives 371.95 CHF after redistribution.

### Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Appenzell is in region 0 of canton Appenzell Innerrhoden.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Appenzell (AI): every situation: https://praemiencheck.onedoc.ch/en/ai/appenzell/
- Premiums 2027 in Appenzell (AI), adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/
- Premiums 2027 in Appenzell (AI), adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/ai/appenzell/child/
- Young adult: https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/no-accident/deductible-300/
- Deductible Premiums 2027 in Appenzell (AI), adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/deductible-500/
- Deductible Premiums 2027 in Appenzell (AI), adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/deductible-1000/
- Deductible Premiums 2027 in Appenzell (AI), adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/deductible-1500/
- Deductible Premiums 2027 in Appenzell (AI), adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/deductible-2000/
- Deductible Premiums 2027 in Appenzell (AI), adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/ai/appenzell/adult/with-accident/deductible-300/ — replace `ai` with your canton’s two-letter code (ge, vd, zh…), `appenzell` with your municipality, `adult` with `child` or `young-adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-300` with `deductible-2500` for another deductible. Markdown version: add `.md`.