# Health insurance premiums 2027 in Gonten (AI), for a child aged 0 to 18, deductible of 200 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · 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 [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ai/gonten/child/) with a 200 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/), the cheapest monthly basic insurance premium is **65.05 CHF** with **KPT** (KPTwin.smart - GP with app model) and the most expensive is 120.65 CHF with Groupe Mutuel – Avenir (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (200 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 73.55 | — | 65.05 | — | 56.25 | — | 48.25 | +3.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 76.45 | 71.05 | 65.75 | 60.25 | 54.85 | 49.45 | 46.05 | New tariff 2027 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 76.25 | — | 66.65 | 61.95 | 57.05 | 52.25 | 47.55 | +11.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 79.25 | 73.85 | 68.45 | 63.05 | 57.65 | 52.25 | 46.75 | +6.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 78.45 | — | 69.25 | — | 60.05 | — | 50.85 | +3.6 % |
| [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) | 78.45 | — | 69.25 | — | 60.05 | — | 50.85 | +3.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 80.25 | 74.85 | 69.45 | 63.95 | 58.55 | 53.15 | 47.65 | +6.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 81.05 | 75.65 | 70.25 | 64.75 | 59.35 | — | 48.55 | +8.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 79.55 | — | 70.25 | — | 60.85 | — | 51.55 | +3.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 81.55 | 76.15 | 70.75 | 65.25 | 59.85 | — | 48.95 | +8.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 80.95 | — | 70.75 | 65.75 | 60.75 | 55.55 | 50.55 | +11.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 81.45 | — | 71.15 | 66.15 | 61.05 | 55.85 | 50.85 | +10.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 83.55 | — | 72.75 | — | 61.85 | — | 51.05 | +3.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 83.65 | 78.25 | 72.85 | 67.35 | 61.95 | — | 51.15 | +13.6 % |
| [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 | 83.45 | — | 73.65 | — | 63.85 | — | 54.15 | +0.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 84.95 | 79.55 | 74.15 | 68.65 | 63.25 | 57.85 | 52.45 | +6.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 84.95 | 79.55 | 74.15 | 68.65 | 63.25 | 57.85 | 52.45 | +6.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 85.75 | 80.35 | 74.95 | 69.45 | 64.05 | — | 53.15 | +8.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 84.65 | 79.85 | 75.05 | 70.15 | 65.65 | 60.55 | 55.65 | +4.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 86.55 | — | 75.75 | — | 64.85 | — | 53.95 | +3.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 86.65 | 81.75 | 76.85 | 71.85 | 67.25 | 62.05 | 57.05 | +4.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 87.05 | 82.05 | 77.15 | 72.05 | 67.05 | 62.15 | 57.05 | +4.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 87.05 | 82.05 | 77.15 | 72.05 | 67.05 | 62.15 | 57.05 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 88.15 | — | 77.35 | — | 66.45 | — | 55.55 | +3.8 % |
| [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) | 88.25 | 82.85 | 77.45 | 71.95 | 66.55 | 61.15 | 55.65 | 0.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 87.65 | 82.75 | 77.75 | 72.75 | 68.05 | 62.85 | 57.75 | +4.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 88.95 | — | 77.85 | 72.25 | 66.75 | 61.15 | 55.65 | +10.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 88.75 | 83.35 | 77.95 | 72.45 | 67.05 | 61.65 | 56.15 | 0.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 89.15 | — | 78.35 | — | 67.45 | — | 56.55 | +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) | 89.25 | 83.85 | 78.45 | 72.95 | 67.55 | 62.15 | 56.65 | 0.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 89.25 | 83.85 | 78.45 | 72.95 | 67.55 | 62.15 | 56.65 | 0.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 89.75 | 84.35 | 78.85 | 73.25 | 67.75 | 62.35 | 56.75 | +7.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 89.65 | 84.25 | 78.85 | 73.35 | 67.95 | 62.55 | — | −3.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 89.65 | 84.25 | 78.85 | 73.35 | 67.95 | 62.55 | 57.05 | +6.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 90.55 | 85.15 | 79.85 | 74.35 | 68.95 | — | 58.05 | +8.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 91.55 | 86.05 | 80.55 | 74.95 | 69.45 | 64.05 | 58.45 | +9.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 92.05 | 86.55 | 81.15 | 75.55 | 70.05 | 64.55 | 58.95 | +7.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 92.50 | 87.65 | 81.85 | 75.95 | 70.15 | 64.30 | 57.95 | −0.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 93.05 | 87.65 | 82.15 | 76.75 | 71.25 | 65.85 | 60.35 | +4.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 93.05 | 87.65 | 82.15 | 76.75 | 71.25 | 65.85 | 60.35 | +4.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 93.15 | — | 82.35 | — | 71.55 | — | 60.65 | +3.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 94.15 | 88.75 | 83.25 | 77.85 | 72.35 | 66.95 | 61.45 | +4.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 94.15 | 88.75 | 83.25 | 77.85 | 72.35 | 66.95 | 61.45 | +4.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 94.95 | 89.65 | 84.25 | 78.75 | 73.35 | 67.95 | 62.45 | +4.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 95.35 | 89.85 | 84.45 | 78.95 | 73.55 | 68.05 | 62.65 | +4.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 95.45 | 90.05 | 84.65 | 79.15 | 73.75 | 68.35 | — | −2.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 96.65 | — | 85.85 | — | 75.05 | — | 64.15 | +3.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 96.85 | 91.35 | 85.95 | 80.35 | 75.25 | 69.45 | 63.95 | +4.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 97.65 | 92.50 | 86.35 | 80.25 | 75.10 | 68.95 | 62.85 | +4.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 98.55 | 93.15 | 87.75 | 82.25 | 76.85 | 71.45 | 65.95 | 0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 98.75 | 93.25 | 87.85 | 82.35 | 76.95 | 71.45 | 66.05 | +4.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 99.35 | 93.85 | 88.35 | — | 77.25 | — | 66.15 | +9.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 99.20 | 93.80 | 88.35 | 82.90 | 77.50 | 72.05 | 66.60 | +7.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 100.25 | 94.85 | 89.40 | 83.95 | 78.55 | 73.15 | 67.70 | +7.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 100.25 | 94.85 | 89.40 | 83.95 | 78.55 | 73.15 | 67.70 | +7.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 100.25 | 94.85 | 89.40 | 83.95 | 78.55 | 73.15 | 67.70 | +7.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 100.25 | 94.85 | 89.40 | 83.95 | 78.55 | 73.15 | 67.70 | +7.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 100.25 | 94.85 | 89.40 | 83.95 | 78.55 | 73.15 | 67.70 | +7.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 100.55 | 95.05 | 89.45 | — | 78.35 | — | 67.25 | +7.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 100.55 | 95.05 | 89.45 | — | 78.35 | — | 67.25 | +7.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 100.85 | 95.35 | 89.95 | 84.45 | 79.05 | 73.55 | 68.05 | +4.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 100.85 | 95.35 | 89.95 | 84.45 | 79.05 | 73.55 | 68.05 | +4.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 99.85 | 95.15 | 90.45 | 85.75 | 80.95 | 74.45 | — | +4.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 101.35 | 95.95 | 90.50 | 85.05 | 79.65 | 74.20 | 68.75 | +7.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 101.75 | 96.25 | 90.75 | — | 79.65 | — | 68.45 | +12.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 101.65 | — | 90.85 | — | 79.95 | — | 69.15 | +9.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 101.65 | — | 90.85 | — | 79.95 | — | 69.15 | +9.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 101.65 | — | 90.85 | — | 79.95 | — | 69.15 | +9.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 99.55 | — | 90.85 | — | 79.95 | — | 69.15 | +11.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 95.85 | — | 90.85 | — | 79.95 | — | 69.15 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 101.65 | — | 90.85 | — | 79.95 | — | 69.15 | +9.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 101.65 | — | 90.85 | — | 79.95 | — | 69.15 | +9.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 103.25 | 97.85 | 92.35 | 86.95 | 81.45 | 76.05 | 70.55 | +4.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 103.25 | 97.85 | 92.35 | 86.95 | 81.45 | 76.05 | 70.55 | +4.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 103.35 | 97.85 | 92.45 | 86.95 | 81.45 | 76.05 | 70.55 | +6.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 103.55 | 98.15 | 92.70 | 87.25 | 81.85 | 76.40 | 70.95 | +7.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 103.95 | 98.55 | 93.15 | 87.65 | 82.25 | 76.85 | 71.35 | +6.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 104.55 | 99.05 | 93.55 | 88.05 | 82.55 | 77.05 | 71.45 | +8.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 104.45 | 98.95 | 93.55 | 88.05 | 82.65 | 77.15 | 71.75 | +4.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 104.95 | 99.45 | 94.05 | 88.65 | 83.15 | 77.75 | — | −1.8 % |
| [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) | 105.15 | 99.75 | 94.35 | 88.85 | 83.55 | 78.15 | 72.65 | +6.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 105.15 | 99.75 | 94.35 | 88.85 | 83.55 | 78.15 | 72.65 | +6.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 105.85 | 100.45 | 94.95 | 89.55 | 84.05 | 78.65 | 73.15 | +6.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 105.85 | 100.45 | 94.95 | 89.55 | 84.05 | 78.65 | 73.15 | +6.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 105.85 | 100.45 | 95.05 | 89.65 | 84.25 | 78.85 | — | +4.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 106.35 | 100.85 | 95.45 | 89.95 | 84.55 | 79.05 | 73.65 | +4.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 108.15 | — | 97.35 | — | 86.45 | — | 75.55 | +15.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 108.15 | — | 97.35 | — | 86.45 | — | 75.55 | +15.9 % |
| [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) | 108.85 | 103.45 | 98.05 | 92.55 | 87.15 | 81.75 | 76.35 | +6.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 108.95 | 103.45 | 98.05 | 92.55 | 87.15 | 81.65 | 76.25 | +4.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.95 | 105.45 | 99.95 | — | 88.85 | — | 77.75 | +7.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 110.75 | — | 99.95 | — | 89.05 | — | 78.15 | +15.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 110.75 | — | 99.95 | — | 89.05 | — | 78.15 | +15.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 111.85 | 106.45 | 100.95 | 95.55 | 90.05 | 84.65 | 79.15 | +6.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.45 | 110.05 | 104.65 | 99.25 | 93.75 | 88.35 | — | +4.4 % |
| [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) | 117.15 | 111.75 | 106.35 | 100.85 | 95.45 | 90.05 | 84.65 | +5.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 117.15 | 111.75 | 106.35 | 100.85 | 95.45 | 90.05 | 84.65 | +5.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 117.95 | 112.55 | 107.05 | 101.65 | 96.15 | 90.75 | 85.25 | +6.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 118.05 | 112.65 | 107.25 | 101.75 | 96.35 | 90.95 | 85.55 | +6.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 118.55 | 113.15 | 107.75 | 102.25 | 96.85 | 91.45 | 85.95 | +5.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 118.65 | — | 107.75 | — | 96.95 | — | 86.05 | +15.6 % |
| [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) | 121.25 | 115.85 | 110.45 | 104.95 | 99.55 | 94.15 | 88.65 | +5.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 126.55 | — | 115.65 | — | 104.75 | — | 93.95 | +15.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 131.45 | 126.05 | 120.65 | 115.15 | 109.75 | 104.35 | 98.95 | +4.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 76.95 | — | — | — | — | 49.85 | — | — |
| [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 | 77.85 | — | — | — | — | 50.85 | — | — |
| [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 | 78.85 | — | — | — | — | 51.75 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 78.85 | — | — | — | — | 51.75 | — | — |
| [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 | 80.65 | — | — | — | — | 53.65 | — | — |
| [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 | 82.65 | — | — | — | — | 55.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 82.65 | — | — | — | — | 55.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 90.25 | — | — | — | — | 63.15 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 99.05 | — | — | 82.85 | — | — | 66.55 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 104.25 | — | — | 88.05 | — | — | 71.75 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.65 | — | — | 94.35 | — | — | 78.05 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Gonten for a child aged 0 to 18 with a deductible of 200 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/), the cheapest offer in [Gonten](https://praemiencheck.onedoc.ch/en/ai/gonten/) is KPT (KPTwin.smart - GP with app) at 65.05 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 77.85 CHF a month.

### How much does health insurance cost in Gonten in 2027 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ai/gonten/child/) with a deductible of 200 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/), monthly premiums run from 65.05 CHF (KPT, KPTwin.smart - GP with app) to 120.65 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: 87.45 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Gonten for a child aged 0 to 18 without accident cover?

On the cheapest offer (KPT, KPTwin.smart - GP with app), the premium goes from 73.55 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/deductible-0/) to 48.25 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/deductible-600/): 25.30 CHF less a month, 303.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 337 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Gonten for a child aged 0 to 18: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a child aged 0 to 18 with a deductible of 200 CHF and without accident cover, the cheapest premium per model is: standard model 77.85 CHF (Agrisano), family doctor / HMO 69.25 CHF (KPT), flexible model 68.45 CHF (Assura), telemedicine 65.05 CHF (KPT).

### Does a second or third child pay less in Gonten?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 14 of the 23 insurers present in Gonten file a reduced premium from a certain number of children insured with them, at a 200 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 66.65 CHF | 26.85 CHF from the 3rd child |
| Visana | Managed Care | 82.15 CHF | 27.75 CHF from the 3rd child |
| sana24 | Managed Care | 84.45 CHF | 29.95 CHF from the 3rd child |
| CONCORDIA | HMO | 78.85 CHF | 30.15 CHF from the 3rd child |
| SWICA | Standard model | 90.85 CHF | 31.35 CHF from the 3rd child |
| Galenos | Tel Doc | 92.45 CHF | 32.65 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 77.15 CHF | 36.25 CHF from the 3rd child |
| Aquilana | SMARTMED | 90.45 CHF | 42.85 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 77.45 CHF | 56.85 CHF from the 5th child |
| Assura | MediTel | 65.75 CHF | 64.05 CHF from the 4th child, 62.45 CHF from the 5th child |
| SLKK | SmartMed | 75.05 CHF | 66.15 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 93.15 CHF | 68.65 CHF from the 5th child |
| EGK | EGK-TelCare | 78.85 CHF | 70.25 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 106.35 CHF | 78.65 CHF from the 5th child |

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

### 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 69.80 CHF at KPT (KPTwin.smart - GP with app) gives 65.05 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: 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/child/no-accident/deductible-0/

## Related pages

- Health insurance premiums 2027 in Gonten (AI): every situation: https://praemiencheck.onedoc.ch/en/ai/gonten/
- Premiums 2027 in Gonten (AI), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/ai/gonten/child/
- Premiums 2027 in Gonten (AI), child, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/ai/gonten/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/ai/gonten/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/ai/gonten/child/with-accident/deductible-200/
- Deductible Premiums 2027 in Gonten (AI), child, deductible of 0 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/deductible-0/
- Deductible Premiums 2027 in Gonten (AI), child, deductible of 100 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/deductible-100/
- Deductible Premiums 2027 in Gonten (AI), child, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/deductible-300/
- Deductible Premiums 2027 in Gonten (AI), child, deductible of 400 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/deductible-400/
- Deductible Premiums 2027 in Gonten (AI), child, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/deductible-500/
- Deductible Premiums 2027 in Gonten (AI), child, deductible of 600 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/ai/gonten/child/no-accident/deductible-0/ — replace `ai` with your canton’s two-letter code (ge, vd, zh…), `gonten` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-200` with `deductible-600` for another deductible. Markdown version: add `.md`.