# Health insurance premiums 2027 in Gonten (AI), for an adult aged 26 or over who wants a deductible of 1'000 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · adult (26 and over) · without accident cover · monthly premiums in CHF_

In [Gonten](https://praemiencheck.onedoc.ch/en/ai/gonten/) ([canton Appenzell Innerrhoden](https://praemiencheck.onedoc.ch/en/ai/)), in 2027, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/ai/gonten/adult/) with a 1'000 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/ai/gonten/adult/no-accident/), the cheapest monthly basic insurance premium is **307.65 CHF** with **KPT** (KPTwin.smart - GP with app model) and the most expensive is 485.45 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 (1'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 345.55 | 334.75 | 307.65 | 280.45 | — | 226.25 | +3.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 348.15 | 337.35 | 310.15 | 283.05 | 255.95 | 228.85 | +3.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 349.45 | 338.65 | 311.45 | 284.35 | 257.25 | 230.15 | 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 | 350.35 | 339.55 | 312.45 | 285.25 | 258.25 | 231.05 | −10.0 % |
| [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 | 354.45 | 343.65 | 316.55 | 289.35 | 262.35 | 235.15 | −8.9 % |
| [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 R2 | 358.65 | 347.85 | 320.75 | 293.55 | 266.45 | 239.35 | −10.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 358.65 | 347.85 | 320.75 | 293.55 | 266.45 | 239.35 | −7.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 359.95 | 349.25 | 322.05 | 294.85 | — | 240.65 | +3.7 % |
| [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) | 359.95 | 349.25 | 322.05 | 294.85 | — | 240.65 | +3.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 360.25 | 349.45 | 322.25 | 295.15 | 268.05 | 240.95 | +3.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 361.85 | 351.05 | 323.85 | 296.75 | 269.65 | 242.45 | +6.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 362.85 | 352.05 | 324.95 | 297.75 | — | 243.55 | +3.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 363.65 | 352.85 | 325.65 | 298.55 | 271.45 | 244.35 | +8.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 365.95 | 355.15 | 327.95 | 300.85 | 273.75 | 246.55 | +6.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 366.35 | 355.55 | 328.45 | 301.25 | 274.25 | 247.05 | +3.7 % |
| [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 | 366.95 | 356.15 | 328.95 | 301.85 | 274.75 | 247.65 | −8.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 363.35 | 353.75 | 329.85 | 305.95 | 281.85 | 257.95 | +10.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 370.35 | 359.55 | 332.45 | 305.25 | 278.25 | 251.05 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 370.60 | 359.75 | 332.60 | 305.40 | 278.25 | 251.15 | +7.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 367.75 | 358.15 | 333.95 | 309.85 | 285.75 | 261.65 | +4.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 372.25 | 361.55 | 334.35 | 307.15 | 280.15 | 252.95 | +8.0 % |
| [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 | 374.55 | 363.75 | 336.55 | 309.45 | — | 255.15 | +1.2 % |
| [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 | 375.15 | 364.35 | 337.15 | 310.05 | 282.95 | 255.75 | −10.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 375.15 | 364.35 | 337.15 | 310.05 | 282.95 | 255.75 | −11.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 376.65 | 365.65 | 338.05 | 310.45 | 282.95 | 255.35 | +7.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 377.65 | 366.85 | 339.65 | 312.55 | 285.45 | 258.35 | +15.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 377.65 | 366.85 | 339.65 | 312.55 | 285.45 | 258.35 | +15.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 373.95 | 363.15 | 340.25 | 313.15 | 290.25 | 263.15 | +4.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 376.25 | 366.35 | 341.65 | 316.95 | 292.35 | 267.65 | +4.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 381.05 | 370.05 | 342.25 | 314.55 | 286.95 | 259.15 | +9.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 383.25 | 372.25 | 344.65 | 317.05 | 289.55 | 261.95 | +9.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 380.45 | 370.55 | 345.55 | 320.55 | 295.65 | 270.65 | +4.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 383.50 | 372.70 | 345.55 | 318.35 | 291.20 | 264.10 | +7.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 385.35 | 374.35 | 346.55 | 318.85 | 291.15 | 263.45 | +7.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 385.35 | 374.35 | 346.55 | 318.85 | 291.15 | 263.45 | +7.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 380.35 | 369.55 | 346.65 | 319.55 | 288.15 | 261.05 | +7.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 380.35 | 369.55 | 346.65 | 319.55 | 288.15 | 261.05 | New tariff 2027 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 385.35 | 374.45 | 346.85 | 319.25 | 291.75 | 264.15 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 385.35 | 374.45 | 347.25 | 319.95 | 292.75 | 265.45 | +4.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 385.25 | 374.55 | 347.35 | 320.15 | 293.15 | 265.95 | +7.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 386.45 | 375.65 | 348.55 | 321.35 | 294.25 | 267.15 | +6.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 386.45 | 375.65 | 348.55 | 321.35 | 294.25 | 267.15 | +6.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 386.55 | 375.65 | 348.65 | 321.45 | 294.25 | 267.25 | +15.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 386.55 | 375.65 | 348.65 | 321.45 | 294.25 | 267.25 | +15.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 384.65 | 374.45 | 349.25 | 323.85 | 298.45 | 273.15 | +11.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 387.45 | 376.65 | 349.55 | 322.35 | 295.25 | 268.15 | +8.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 387.85 | 377.00 | 349.85 | 322.70 | 295.55 | 268.40 | +7.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 387.95 | 377.25 | 350.25 | 322.85 | 295.85 | 268.85 | 0.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 389.55 | 378.55 | 350.85 | 323.05 | 295.45 | 267.75 | +11.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 386.85 | 376.55 | 351.15 | 325.65 | 300.15 | 274.65 | +10.0 % |
| [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) | 390.15 | 379.45 | 352.55 | 325.05 | 298.15 | 271.15 | 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) | 390.35 | 379.65 | 352.65 | 325.25 | 298.25 | 271.25 | +6.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 386.75 | 375.85 | 353.05 | 325.85 | 294.55 | 267.35 | +9.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 392.25 | 386.05 | 354.15 | 326.85 | 299.65 | 272.35 | +5.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 392.25 | 386.05 | 354.15 | 326.85 | 299.65 | 272.35 | +4.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 392.20 | 381.35 | 354.20 | 327.00 | 299.85 | 272.75 | +7.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 390.35 | 380.15 | 354.55 | 328.45 | 302.85 | 277.25 | +6.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 392.65 | 381.95 | 354.95 | 327.55 | 300.55 | 273.65 | +6.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 391.25 | 381.05 | 355.45 | 329.45 | 303.75 | 278.25 | 0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 393.95 | 383.05 | 355.85 | 328.55 | 301.35 | 274.05 | +4.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 386.75 | 380.15 | 357.25 | 330.15 | 303.05 | 275.85 | +5.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 396.45 | 385.60 | 358.50 | 331.30 | 304.15 | 277.00 | +7.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 396.45 | 385.60 | 358.50 | 331.30 | 304.15 | 277.00 | +7.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 396.45 | 385.60 | 358.50 | 331.30 | 304.15 | 277.00 | +7.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 393.85 | 383.85 | 358.95 | 334.05 | 309.05 | 284.15 | +4.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 393.85 | 383.85 | 358.95 | 334.05 | 309.05 | 284.15 | +4.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 400.75 | 389.95 | 362.85 | 335.65 | 308.65 | 281.45 | +3.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 401.55 | 395.25 | 363.35 | 336.05 | 308.85 | 281.55 | +4.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 401.55 | 395.25 | 363.35 | 336.05 | 308.85 | 281.55 | +4.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 403.35 | 392.55 | 365.35 | 338.25 | — | 284.05 | +3.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 403.55 | 392.65 | 365.35 | 338.05 | 310.85 | 283.55 | +4.7 % |
| [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) | 403.65 | 392.95 | 365.95 | 338.55 | 311.55 | 284.55 | 0.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 406.15 | 399.95 | 367.95 | 340.75 | 313.45 | 286.15 | +4.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 407.05 | 396.25 | 369.05 | 341.95 | 314.85 | 287.65 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 408.05 | 397.15 | 369.85 | 342.65 | 315.35 | 288.15 | +4.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 408.25 | 397.45 | 370.25 | 343.15 | 316.05 | 288.95 | −11.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 408.75 | 397.95 | 370.75 | 343.45 | 316.35 | 289.15 | +4.2 % |
| [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) | 408.85 | 398.15 | 371.15 | 343.75 | 316.75 | 289.75 | +6.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 413.25 | 402.35 | 375.25 | 348.15 | 320.95 | 293.85 | +15.7 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 410.45 | 400.65 | 375.55 | 350.95 | 325.85 | 300.75 | +4.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 416.45 | 405.55 | 378.35 | 351.05 | 323.85 | 296.55 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 408.05 | 401.45 | 378.55 | 351.45 | 324.25 | 297.15 | +9.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 417.95 | 407.05 | 379.75 | 352.55 | 325.25 | 298.05 | +6.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 418.55 | 407.65 | 380.15 | 352.75 | 325.35 | 297.95 | +4.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 420.85 | 409.75 | 382.05 | 354.35 | 326.65 | 298.95 | +10.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 420.75 | 409.95 | 382.85 | 355.65 | 328.55 | 301.45 | +4.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 423.85 | 412.85 | 385.15 | 357.35 | 329.75 | 302.05 | +7.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 423.35 | 412.45 | 385.15 | 357.95 | 330.65 | 303.45 | +6.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 426.15 | 415.25 | 388.05 | 360.75 | 333.45 | 306.25 | +4.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 426.25 | 415.35 | 388.15 | 360.85 | 333.55 | 306.35 | +6.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 426.70 | 415.85 | 388.70 | 361.50 | 334.35 | 307.25 | +7.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 428.45 | 417.75 | 390.55 | 363.35 | 336.35 | 309.15 | +4.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 428.65 | 417.85 | 390.65 | 363.55 | 336.45 | 309.35 | +7.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 428.75 | 417.95 | 390.65 | 363.45 | 336.35 | 309.05 | +4.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 431.25 | 420.45 | 395.05 | 368.95 | 342.95 | 316.85 | +4.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 433.85 | 427.55 | 395.65 | 368.35 | 341.15 | 313.85 | +4.2 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 437.20 | 426.15 | 397.40 | 370.90 | 339.95 | 313.45 | +3.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 436.05 | 425.05 | 397.45 | 369.85 | 342.35 | 314.85 | +8.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 439.85 | 429.05 | 401.85 | 374.75 | 347.65 | 320.55 | +15.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 444.05 | 433.35 | 406.35 | 378.95 | 351.95 | 324.95 | 0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 448.85 | 437.95 | 410.65 | 383.45 | 356.15 | 328.85 | +4.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 449.65 | 440.35 | 416.65 | 393.05 | 369.45 | 337.75 | +4.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 456.55 | 445.75 | 418.65 | 391.45 | 364.45 | 337.55 | +4.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 456.85 | 450.65 | 418.75 | 391.45 | 364.15 | 336.95 | +4.2 % |
| [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) | 457.15 | 446.45 | 419.45 | 392.05 | 365.05 | 338.05 | +4.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 457.35 | 446.65 | 419.65 | 392.25 | 365.25 | 338.25 | +6.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 460.45 | 451.15 | 423.20 | 395.35 | 362.75 | 334.85 | +3.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 459.75 | 449.55 | 423.95 | 397.85 | 372.25 | 346.65 | +4.9 % |
| [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) | 467.65 | 456.95 | 429.95 | 402.55 | 375.55 | 348.65 | +4.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 467.65 | 456.95 | 429.95 | 402.55 | 375.55 | 348.65 | +4.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 475.75 | 464.95 | 437.75 | 410.75 | 383.55 | 356.65 | +4.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 484.95 | 474.05 | 446.85 | 419.55 | 392.35 | 365.05 | +6.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 493.45 | 482.65 | 455.35 | 428.15 | 401.05 | 373.85 | +4.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 517.45 | 506.75 | 479.55 | 452.45 | 425.35 | 398.15 | +4.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 523.05 | 512.35 | 485.45 | 457.95 | 431.05 | 404.05 | +4.9 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Gonten for an adult aged 26 or over with a deductible of 1'000 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/ai/gonten/adult/no-accident/), the cheapest offer in [Gonten](https://praemiencheck.onedoc.ch/en/ai/gonten/) is KPT (KPTwin.smart - GP with app) at 307.65 CHF a month. The cheapest standard model (free choice of doctor) is ÖKK (Standard model) at 362.85 CHF a month.

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

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/ai/gonten/adult/) with a deductible of 1'000 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/ai/gonten/adult/no-accident/), monthly premiums run from 307.65 CHF (KPT, KPTwin.smart - GP with app) to 485.45 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 Gonten for an adult aged 26 or over without accident cover?

On the cheapest offer (KPT, KPTwin.smart - GP with app), the premium goes from 345.55 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ai/gonten/adult/no-accident/deductible-300/) to 226.25 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ai/gonten/adult/no-accident/deductible-2500/): 119.30 CHF less a month, 1'431.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'891 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Gonten 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 1'000 CHF and without accident cover, the cheapest premium per model is: standard model 362.85 CHF (ÖKK), family doctor / HMO 310.15 CHF (ÖKK), flexible model 320.75 CHF (Helsana), telemedicine 307.65 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 312.40 CHF at KPT (KPTwin.smart - GP with app) gives 307.65 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: Gonten 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/gonten/adult/no-accident/deductible-300/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/ai/gonten/adult/no-accident/deductible-300/ — replace `ai` with your canton’s two-letter code (ge, vd, zh…), `gonten` with your municipality, `adult` with `child` or `young-adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-1000` with `deductible-2500` for another deductible. Markdown version: add `.md`.