# Health insurance premiums 2027 in Appenzell (AI), for a young adult aged 19 to 25 who wants a deductible of 500 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · without 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 [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/) with a 500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/), the cheapest monthly basic insurance premium is **249.05 CHF** with **ÖKK** (ÖKK CASAMED HMO model) and the most expensive is 383.75 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 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 259.85 | 249.05 | 221.95 | 194.75 | 167.75 | 158.85 | +3.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 264.05 | 254.35 | 230.45 | 206.45 | 182.45 | 158.75 | +10.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 268.95 | 258.25 | 231.05 | 203.85 | 176.85 | 158.85 | +3.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 271.55 | 260.75 | 233.55 | 206.45 | 179.35 | 153.65 | +7.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 273.65 | 262.85 | 235.75 | 208.55 | 181.45 | 158.85 | +3.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 274.35 | 263.65 | 236.45 | 209.25 | 182.25 | 169.85 | +14.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 274.35 | 263.65 | 236.45 | 209.25 | 182.25 | 169.85 | +14.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 276.65 | 265.85 | 238.65 | 211.55 | 184.45 | 158.85 | +3.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 277.45 | 266.55 | 238.95 | 211.35 | 183.85 | 167.95 | +5.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 278.05 | 267.25 | 240.05 | 212.95 | 185.85 | 158.75 | +7.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 278.65 | 267.85 | 240.75 | 213.55 | 186.55 | 172.45 | 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 | 279.35 | 268.55 | 241.35 | 214.25 | 187.15 | 172.85 | −9.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 279.45 | 269.35 | 244.05 | 218.65 | 193.25 | 167.95 | +10.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 280.95 | 270.15 | 242.95 | 215.85 | 188.75 | 169.85 | +14.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 280.95 | 270.15 | 242.95 | 215.85 | 188.75 | 169.85 | +14.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 281.05 | 270.85 | 245.35 | 219.85 | 194.35 | 168.95 | +9.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 282.35 | 271.45 | 243.85 | 216.25 | 188.75 | 167.95 | +7.5 % |
| [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 | 282.65 | 271.85 | 244.75 | 217.55 | 190.55 | 172.85 | −8.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 284.05 | 273.15 | 245.55 | 217.95 | 190.45 | 167.95 | +5.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 279.75 | 273.55 | 241.55 | 214.35 | 187.05 | 168.45 | +3.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 279.75 | 273.55 | 241.55 | 214.35 | 187.05 | 168.45 | +3.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 284.65 | 273.65 | 245.85 | 218.15 | 190.45 | 164.45 | +8.6 % |
| [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 | 285.95 | 275.15 | 247.95 | 220.85 | 193.75 | 172.85 | −9.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 285.95 | 275.15 | 247.95 | 220.85 | 193.75 | 172.85 | −7.2 % |
| [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) | 286.65 | 275.95 | 248.95 | 221.55 | 194.55 | 174.25 | 0.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 286.15 | 276.15 | 251.25 | 226.35 | 201.35 | 176.45 | +4.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 286.15 | 276.15 | 251.25 | 226.35 | 201.35 | 176.45 | +4.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 287.75 | 276.75 | 248.95 | 221.25 | 193.65 | 165.85 | +7.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 287.75 | 276.75 | 248.95 | 221.25 | 193.65 | 165.85 | +7.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 287.75 | 276.95 | 249.85 | 222.65 | 195.65 | 168.45 | +10.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 288.35 | 277.65 | 250.65 | 223.25 | 196.25 | 174.25 | 0.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 288.55 | 277.75 | 250.55 | 223.45 | 196.35 | 172.45 | +6.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 289.45 | 278.65 | 251.45 | 224.35 | 197.25 | 170.05 | +10.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 289.95 | 279.15 | 252.05 | 224.85 | 197.75 | 170.65 | +10.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 289.95 | 279.25 | 252.25 | 224.85 | 197.85 | 174.25 | 0.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 290.55 | 279.65 | 255.75 | 228.65 | 198.35 | 171.15 | New tariff 2027 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 290.55 | 279.75 | 252.55 | 225.45 | — | 171.25 | +2.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 290.65 | 279.85 | 252.65 | 225.55 | — | 171.25 | +2.2 % |
| [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) | 290.65 | 279.85 | 252.65 | 225.55 | — | 171.25 | +2.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 290.95 | 279.95 | 252.25 | 224.45 | 196.85 | 169.15 | +11.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 291.75 | 280.95 | 253.85 | 226.65 | 199.65 | 172.45 | +6.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 292.20 | 281.35 | 254.20 | 227.00 | 199.90 | 172.75 | +6.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 292.20 | 281.35 | 254.20 | 227.00 | 199.90 | 172.75 | +6.8 % |
| [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 | 292.55 | 281.75 | 254.55 | 227.45 | 200.35 | 173.25 | −8.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 292.65 | 281.85 | 254.75 | 227.55 | — | 173.35 | +2.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 295.30 | 284.45 | 257.35 | 230.15 | 203.00 | 175.85 | +6.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 295.30 | 284.45 | 257.35 | 230.15 | 203.00 | 175.85 | +6.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 295.30 | 284.45 | 257.35 | 230.15 | 203.00 | 175.85 | +6.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 295.30 | 284.45 | 257.35 | 230.15 | 203.00 | 175.85 | +6.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 295.30 | 284.45 | 257.35 | 230.15 | 203.00 | 175.85 | +6.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 291.05 | 284.85 | 252.85 | 225.65 | 198.35 | 171.15 | +3.9 % |
| [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) | 296.55 | 285.85 | 258.95 | 231.45 | 204.55 | 177.55 | 0.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 295.35 | 287.65 | 263.75 | 236.65 | 215.85 | 188.75 | +5.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 294.65 | 288.35 | 256.45 | 229.15 | 201.95 | 174.65 | +3.9 % |
| [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 | 299.15 | 288.35 | 261.15 | 234.05 | 206.95 | 179.85 | −9.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 299.15 | 288.35 | 261.15 | 234.05 | 206.95 | 179.85 | −10.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 299.45 | 288.65 | 261.45 | 234.35 | 207.25 | 180.05 | +3.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 300.45 | 289.55 | 262.35 | 235.35 | 208.15 | 181.05 | +14.7 % |
| [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 | 300.95 | 290.15 | 262.95 | 235.85 | — | 181.65 | +1.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 300.65 | 291.05 | 266.95 | 242.75 | 218.75 | 194.55 | +4.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 297.85 | 291.65 | 259.65 | 232.45 | 205.15 | 177.95 | +3.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 304.55 | 293.75 | 266.60 | 239.40 | 212.25 | 185.15 | +6.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 301.75 | 294.05 | 266.95 | 239.85 | 209.45 | 182.35 | +6.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 304.95 | 294.05 | 271.75 | 244.55 | 212.65 | 185.55 | +10.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 305.95 | 294.75 | 267.15 | 239.45 | 211.65 | 184.05 | +9.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 302.35 | 296.15 | 264.15 | 236.95 | 209.65 | 182.45 | +3.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 304.95 | 297.25 | 273.35 | 246.15 | 222.25 | 195.15 | +5.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 308.25 | 297.45 | 270.35 | 243.15 | 216.05 | 188.95 | +6.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 308.25 | 297.45 | 270.35 | 243.15 | 216.05 | 188.95 | +6.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 308.35 | 297.45 | 270.15 | 242.85 | 215.65 | 188.35 | +4.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 307.65 | 297.85 | 273.15 | 248.45 | 223.75 | 199.05 | +4.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 309.15 | 298.35 | 271.15 | 243.95 | 216.75 | 189.55 | +5.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 309.45 | 298.75 | 271.75 | 244.35 | 217.35 | 193.85 | +5.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 311.45 | 300.75 | 273.55 | 246.35 | 219.35 | 192.15 | +4.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 311.15 | 301.15 | 276.25 | 251.25 | 226.35 | 201.35 | +4.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 312.45 | 301.65 | 274.35 | 247.15 | 220.05 | 192.85 | +5.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 313.05 | 302.15 | 274.85 | 247.65 | 220.35 | 203.75 | +5.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 310.75 | 302.45 | 281.55 | 260.65 | 239.25 | 218.35 | +4.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 314.45 | 303.65 | 276.55 | 249.35 | 222.25 | 195.15 | +4.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 314.45 | 303.65 | 276.55 | 249.35 | 222.25 | 195.15 | +7.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 315.45 | 304.55 | 277.25 | 249.95 | 222.75 | 195.45 | +4.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 316.75 | 305.75 | 277.95 | 250.25 | 222.55 | 194.85 | +7.3 % |
| [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) | 316.85 | 306.15 | 279.15 | 251.75 | 224.75 | 197.75 | +5.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 318.95 | 308.05 | 280.85 | 253.55 | 226.25 | 199.05 | +4.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 319.85 | 308.95 | 281.95 | 254.75 | 227.65 | 200.55 | +14.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 320.05 | 309.15 | 281.85 | 254.65 | 227.35 | 203.75 | +5.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 320.45 | 309.75 | 282.85 | 255.35 | 228.45 | 201.45 | +5.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 321.55 | 310.55 | 282.95 | 255.35 | 227.85 | 200.25 | +6.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 321.65 | 310.85 | 283.75 | 256.55 | — | 202.35 | +3.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 318.55 | 312.25 | 280.35 | 253.05 | 225.85 | 198.55 | +3.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 324.75 | 313.95 | 286.75 | 259.65 | 232.55 | 205.35 | +6.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 325.65 | 314.85 | 287.65 | 260.55 | 233.45 | 206.35 | −10.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 326.05 | 315.15 | 287.95 | 260.65 | 233.35 | 206.15 | +4.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 326.35 | 315.65 | 288.75 | 261.25 | 234.35 | 207.35 | 0.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 326.65 | 315.85 | 288.95 | 261.55 | 239.25 | 217.85 | +4.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 327.85 | 316.95 | 289.65 | 262.45 | 235.15 | 207.95 | +5.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 327.65 | 317.65 | 287.75 | 261.15 | 231.25 | 207.95 | −0.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 329.15 | 318.25 | 290.95 | 263.85 | 236.65 | 209.45 | +5.2 % |
| [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) | 331.55 | 320.85 | 293.85 | 266.45 | 239.45 | 212.45 | +5.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 331.65 | 322.25 | 298.55 | 275.05 | 251.45 | 222.45 | +4.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 333.15 | 322.25 | 295.05 | 267.75 | 240.45 | 213.25 | +4.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 342.25 | 331.35 | 304.05 | 276.85 | 249.55 | 222.25 | +5.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 342.35 | 331.45 | 303.95 | 276.55 | 249.15 | 221.75 | +4.1 % |
| [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) | 344.55 | 333.85 | 306.85 | 279.45 | 252.45 | 225.55 | +4.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 345.15 | 334.65 | 306.65 | 278.65 | 247.20 | 219.20 | 0.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 345.85 | 336.65 | 313.85 | 291.05 | 268.25 | 245.45 | +4.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 348.55 | 337.85 | 310.85 | 283.45 | 256.45 | 229.55 | +4.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 350.85 | 340.05 | 312.85 | 285.85 | 258.65 | 231.75 | +4.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 350.95 | 340.05 | 312.75 | 285.55 | 258.25 | 231.05 | +4.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 356.55 | 345.85 | 318.85 | 291.45 | 264.45 | 237.45 | +4.7 % |
| [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) | 360.55 | 349.85 | 322.85 | 295.45 | 268.45 | 241.45 | +4.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 362.75 | 352.05 | 325.05 | 297.65 | 270.65 | 243.75 | +5.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 381.85 | 371.05 | 343.85 | 316.85 | 289.65 | 262.45 | +4.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 384.65 | 373.75 | 346.45 | 319.25 | 291.95 | 264.65 | +5.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 394.45 | 383.75 | 356.75 | 329.35 | 302.35 | 275.45 | +4.7 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Appenzell for a young adult aged 19 to 25 with a deductible of 500 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/), the cheapest offer in [Appenzell](https://praemiencheck.onedoc.ch/en/ai/appenzell/) is ÖKK (ÖKK CASAMED HMO) at 249.05 CHF a month. The cheapest standard model (free choice of doctor) is CSS (Standard model) at 279.15 CHF a month.

### How much does health insurance cost in Appenzell in 2027 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/) with a deductible of 500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/), monthly premiums run from 249.05 CHF (ÖKK, ÖKK CASAMED HMO) to 383.75 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: 221.05 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Appenzell for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 259.85 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/deductible-300/) to 158.85 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/deductible-2500/): 101.00 CHF less a month, 1'212.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'647 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Appenzell for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 500 CHF and without accident cover, the cheapest premium per model is: standard model 279.15 CHF (CSS), family doctor / HMO 249.05 CHF (ÖKK), flexible model 265.85 CHF (ÖKK), telemedicine 254.35 CHF (Agrisano).

### 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 253.80 CHF at ÖKK (ÖKK CASAMED HMO) gives 249.05 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/young-adult/no-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), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/
- Premiums 2027 in Appenzell (AI), young adult, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/
- Child: https://praemiencheck.onedoc.ch/en/ai/appenzell/child/
- Adult: https://praemiencheck.onedoc.ch/en/ai/appenzell/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/with-accident/deductible-500/
- Deductible Premiums 2027 in Appenzell (AI), young adult, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/deductible-300/
- Deductible Premiums 2027 in Appenzell (AI), young adult, deductible of 1'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/deductible-1000/
- Deductible Premiums 2027 in Appenzell (AI), young adult, deductible of 1'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/deductible-1500/
- Deductible Premiums 2027 in Appenzell (AI), young adult, deductible of 2'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/deductible-2000/
- Deductible Premiums 2027 in Appenzell (AI), young adult, deductible of 2'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/ai/appenzell/young-adult/no-accident/deductible-300/ — replace `ai` with your canton’s two-letter code (ge, vd, zh…), `appenzell` with your municipality, `young-adult` with `child` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-500` with `deductible-2500` for another deductible. Markdown version: add `.md`.