# Health insurance premiums 2026 in Oberegg (AI), for a child aged 0 to 18, deductible of 600 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · without accident cover · monthly premiums in CHF_

In [Oberegg](https://praemiencheck.onedoc.ch/en/ai/oberegg/) ([canton Appenzell Innerrhoden](https://praemiencheck.onedoc.ch/en/ai/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ai/oberegg/child/) with a 600 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/), the cheapest monthly basic insurance premium is **40.05 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 92.55 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 2025 (600 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 68.65 | — | 59.15 | 54.45 | 49.65 | 44.85 | 40.05 | −0.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 72.55 | — | 62.45 | 57.55 | 52.55 | 47.45 | 42.45 | −1.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 73.95 | 68.55 | 63.15 | 57.65 | 52.25 | — | 42.75 | +1.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 74.95 | 69.55 | 64.15 | 58.65 | 53.25 | — | 42.75 | +1.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 75.05 | 69.65 | 64.25 | 58.75 | 53.35 | 48.05 | 42.75 | +2.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 74.15 | 68.75 | 63.35 | 57.85 | 52.45 | 47.05 | 42.75 | +2.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 75.35 | 70.05 | 64.65 | 59.15 | 53.75 | — | 42.85 | +1.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 73.85 | — | 63.65 | 58.55 | 53.45 | 48.35 | 43.35 | −0.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 70.65 | — | 62.05 | — | 53.35 | — | 45.85 | +2.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 79.35 | 73.95 | 68.55 | 63.05 | 57.65 | — | 46.75 | +7.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 79.55 | 74.15 | 68.75 | 63.25 | 57.85 | 52.45 | 46.95 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 79.55 | 74.15 | 68.75 | 63.25 | 57.85 | 52.45 | 46.95 | +4.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 80.75 | — | 69.65 | 64.15 | 58.55 | 52.95 | 47.45 | −0.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 75.35 | — | 66.25 | — | 56.95 | — | 47.75 | +5.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 75.35 | — | 66.25 | — | 56.95 | — | 47.75 | +5.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 80.25 | — | 69.45 | — | 58.65 | — | 47.75 | +2.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 76.35 | — | 67.05 | — | 57.65 | — | 48.35 | +4.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 83.55 | 78.05 | 72.55 | 67.05 | 61.55 | 56.05 | 50.45 | +9.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 83.55 | 78.05 | 72.55 | 67.05 | 61.55 | 56.05 | 50.45 | +9.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 83.25 | — | 72.45 | — | 61.55 | — | 50.65 | +4.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 83.85 | 78.45 | 73.05 | 67.55 | 62.15 | — | 51.35 | +1.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 83.95 | 78.55 | 73.15 | 67.65 | 62.25 | 56.85 | 51.35 | +4.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 80.85 | 76.05 | 71.25 | 66.35 | 61.75 | 56.75 | 51.85 | +22.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 84.75 | — | 73.95 | — | 63.05 | — | 52.15 | +4.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 85.55 | 80.05 | 74.55 | 68.95 | 63.55 | 58.05 | 52.45 | +11.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 82.95 | — | 72.95 | — | 62.75 | — | 52.65 | +5.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 83.05 | 78.05 | 73.15 | 67.95 | 63.05 | 58.15 | 53.05 | +0.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 83.05 | 78.05 | 73.15 | 67.95 | 63.05 | 58.15 | 53.05 | +0.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 85.65 | — | 74.85 | — | 63.95 | — | 53.15 | +4.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 82.75 | 77.85 | 72.95 | 67.95 | 63.35 | 58.15 | 53.15 | +22.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 83.75 | 78.75 | 73.85 | 68.75 | 64.05 | 58.85 | 53.85 | +22.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 87.85 | 82.45 | 77.05 | 71.55 | 66.15 | 60.75 | 55.25 | +6.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 88.35 | 82.95 | 77.55 | 72.05 | 66.65 | 61.25 | 55.75 | +6.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 88.85 | 83.45 | 78.05 | 72.55 | 67.15 | 61.75 | 56.25 | +6.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 88.85 | 83.45 | 78.05 | 72.55 | 67.15 | 61.75 | 56.25 | +6.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 89.05 | 83.65 | 78.15 | 72.75 | 67.25 | 61.85 | 56.35 | +12.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 89.05 | 83.65 | 78.15 | 72.75 | 67.25 | 61.85 | 56.35 | +12.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 89.55 | — | 78.75 | — | 67.85 | — | 56.95 | +5.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 90.15 | 84.75 | 79.25 | 73.75 | 68.35 | 62.85 | 57.45 | +12.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 90.15 | 84.75 | 79.25 | 73.75 | 68.35 | 62.85 | 57.45 | +12.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 92.25 | 87.40 | 81.55 | 75.70 | 69.85 | 64.05 | 57.65 | +10.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 91.15 | 85.65 | 80.15 | — | 69.05 | — | 57.95 | +11.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 91.15 | 85.65 | 80.15 | — | 69.05 | — | 57.95 | +11.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 90.65 | 85.25 | 79.95 | 74.45 | 69.05 | 63.65 | 58.15 | +1.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 90.85 | 85.45 | 79.95 | 74.55 | 69.05 | 63.55 | 58.15 | +4.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 89.15 | — | 80.25 | — | 69.45 | — | 58.55 | +13.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 93.25 | 88.35 | 82.40 | 76.50 | 70.65 | 64.75 | 58.80 | +4.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 92.55 | 87.05 | 81.65 | 76.05 | 70.95 | 65.15 | 59.65 | +22.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 92.55 | 87.15 | 81.75 | 76.25 | 70.85 | 65.45 | 59.95 | New tariff 2026 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 93.25 | 87.75 | 82.25 | — | 71.15 | — | 60.05 | +11.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 93.25 | 87.75 | 82.25 | — | 71.15 | — | 60.05 | +11.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 93.05 | — | 82.25 | — | 71.35 | — | 60.45 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 93.15 | — | 82.25 | — | 71.45 | — | 60.55 | +13.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 93.15 | — | 82.25 | — | 71.45 | — | 60.55 | +13.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 92.15 | — | 82.25 | — | 71.45 | — | 60.55 | +23.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 93.15 | — | 82.25 | — | 71.45 | — | 60.55 | +13.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 93.15 | — | 82.25 | — | 71.45 | — | 60.55 | +13.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 93.45 | 88.05 | 82.65 | 77.15 | 71.75 | 66.35 | 60.85 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 93.45 | 88.05 | 82.65 | 77.15 | 71.75 | 66.35 | 60.85 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 93.45 | 88.05 | 82.65 | 77.15 | 71.75 | 66.35 | 60.85 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 93.45 | 88.05 | 82.65 | 77.15 | 71.75 | 66.35 | 60.85 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 93.55 | 88.15 | 82.75 | 77.25 | 71.85 | 66.45 | 61.05 | New tariff 2026 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 93.85 | — | 82.95 | — | 72.05 | — | 61.35 | +19.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 93.85 | — | 82.95 | — | 72.05 | — | 61.35 | +19.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 94.15 | 88.65 | 83.25 | 77.75 | 72.35 | 66.85 | 61.45 | +4.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 94.65 | 89.25 | 83.85 | 78.35 | 72.95 | 67.55 | 62.05 | New tariff 2026 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 94.75 | — | — | 78.55 | — | — | 62.25 | +9.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 96.15 | 90.65 | 85.15 | 79.55 | 74.05 | 68.65 | 63.05 | +9.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 96.05 | — | 85.25 | — | 74.45 | — | 63.55 | +22.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 96.05 | — | 85.25 | — | 74.45 | — | 63.55 | +18.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 96.55 | 91.05 | 85.65 | 80.15 | 74.75 | 69.25 | 63.85 | +11.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 96.55 | 91.05 | 85.65 | 80.15 | 74.75 | 69.25 | 63.85 | +11.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 96.55 | 91.15 | 85.75 | 80.25 | 74.85 | 69.45 | 63.95 | +10.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 97.25 | 91.75 | 86.35 | 80.85 | 75.45 | 69.95 | 64.55 | New tariff 2026 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 97.85 | 92.45 | 87.05 | 81.55 | 76.15 | 70.85 | 65.35 | +6.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 98.15 | 92.75 | 87.35 | 81.85 | 76.45 | 71.05 | 65.55 | +6.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 98.45 | 93.05 | 87.55 | 82.15 | 76.65 | 71.25 | 65.75 | +4.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 98.45 | 93.05 | 87.55 | 82.15 | 76.65 | 71.25 | 65.75 | +4.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 99.05 | 93.65 | 88.25 | 82.75 | 77.35 | 71.95 | 66.45 | +6.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 99.05 | 93.65 | 88.25 | 82.75 | 77.35 | 71.95 | 66.45 | +6.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 99.55 | 94.05 | 88.65 | 83.15 | 77.75 | 72.25 | 66.85 | +4.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 99.65 | 94.25 | 88.75 | 83.35 | 77.85 | 72.45 | 66.95 | +14.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 99.65 | 94.25 | 88.75 | 83.35 | 77.85 | 72.45 | 66.95 | +14.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 99.85 | — | — | 83.55 | — | — | 67.25 | +8.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 101.85 | 96.45 | 90.95 | 85.55 | 80.05 | 74.65 | 69.15 | +11.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 103.05 | 97.55 | 92.05 | — | 80.95 | — | 69.85 | +10.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 102.55 | 97.15 | 91.75 | 86.25 | 80.85 | 75.45 | 69.95 | +6.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 102.95 | — | 92.15 | — | 81.25 | — | 70.45 | +17.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 103.85 | 98.45 | 92.95 | 87.55 | 82.05 | 76.65 | 71.15 | +4.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 105.35 | 99.85 | 94.45 | 88.95 | 83.55 | 78.05 | 72.65 | New tariff 2026 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 105.85 | — | — | 89.55 | — | — | 73.25 | +8.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 109.95 | — | 99.05 | — | 88.15 | — | 77.35 | +17.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 111.15 | 105.65 | 100.25 | 94.75 | 89.35 | 83.85 | 78.45 | +6.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 111.25 | 105.85 | 100.45 | 94.95 | 89.55 | 84.15 | 78.65 | +6.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 111.45 | 106.05 | 100.65 | 95.15 | 89.75 | 84.35 | 78.85 | +14.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 111.45 | 106.05 | 100.65 | 95.15 | 89.75 | 84.35 | 78.85 | +14.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 112.75 | 107.35 | 101.95 | 96.45 | 91.05 | 85.65 | 80.15 | +14.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 115.35 | 109.95 | 104.55 | 99.05 | 93.65 | 88.25 | 82.75 | +13.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 125.05 | 119.75 | 114.35 | 108.85 | 103.45 | 98.05 | 92.55 | +13.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 82.75 | 81.95 | 81.05 | 80.05 | 79.15 | 78.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 84.65 | — | — | — | — | 57.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 84.65 | — | — | — | — | 57.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 84.65 | — | — | — | — | 57.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 86.75 | — | — | — | — | 59.75 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 87.85 | — | — | — | — | 60.75 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 87.85 | — | — | — | — | 60.75 | — | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 88.35 | 87.45 | 86.55 | 85.55 | 84.65 | 83.75 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 90.95 | — | — | — | — | 63.95 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 92.05 | — | — | — | — | 65.05 | — | — |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 95.55 | 90.85 | 86.25 | 81.45 | 75.85 | 70.15 | — | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 97.15 | 96.35 | 95.45 | 94.45 | 93.55 | 92.65 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 100.55 | — | — | — | — | 73.45 | — | — |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 101.15 | 95.85 | 90.45 | 85.05 | 79.55 | 74.15 | — | — |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 110.45 | 105.05 | 99.65 | 94.25 | 88.75 | 83.35 | — | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Oberegg for a child aged 0 to 18 with a deductible of 600 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/), the cheapest offer in [Oberegg](https://praemiencheck.onedoc.ch/en/ai/oberegg/) is Agrisano (AGRIsmart) at 40.05 CHF a month.

### How much does health insurance cost in Oberegg in 2026 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ai/oberegg/child/) with a deductible of 600 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/), monthly premiums run from 40.05 CHF (Agrisano, AGRIsmart) to 92.55 CHF (Groupe Mutuel – Avenir, Standard model): 114 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: 81.45 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 68.65 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/deductible-0/) to 40.05 CHF with the 600 CHF deductible: 28.60 CHF less a month, 343.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 381 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Oberegg 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 600 CHF and without accident cover, the cheapest premium per model is: standard model 47.45 CHF (Agrisano), family doctor / HMO 42.75 CHF (CSS), flexible model 42.75 CHF (Assura), telemedicine 40.05 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 13 of the 23 insurers present in Oberegg file a reduced premium from a certain number of children insured with them, at a 600 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 40.05 CHF | 15.45 CHF from the 3rd child |
| SWICA | FAVORIT MEDPHARM | 58.55 CHF | 16.85 CHF from the 3rd child |
| sana24 | Managed Care | 58.15 CHF | 18.55 CHF from the 3rd child |
| Visana | Managed Care | 56.35 CHF | 19.05 CHF from the 3rd child |
| Galenos | Tel Doc | 64.55 CHF | 20.05 CHF from the 3rd child |
| CONCORDIA | HMO | 50.45 CHF | 20.85 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 53.05 CHF | 23.95 CHF from the 3rd child |
| rhenusana | sanmed24 | 62.25 CHF | 28.55 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 55.25 CHF | 40.15 CHF from the 5th child |
| Assura | Family doctor | 42.75 CHF | 41.75 CHF from the 4th child, 40.85 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 51.85 CHF | 46.85 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 65.35 CHF | 47.75 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed | 78.85 CHF | 57.85 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 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 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 45.20 CHF at Agrisano (AGRIsmart) gives 40.05 CHF after redistribution.

### Until when can I change health insurer for 2026?

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.

## 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: Oberegg 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 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/deductible-0/

## Related pages

- Health insurance premiums 2026 in Oberegg (AI): every situation: https://praemiencheck.onedoc.ch/en/ai/oberegg/
- Premiums 2026 in Oberegg (AI), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/ai/oberegg/child/
- Premiums 2026 in Oberegg (AI), child, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/ai/oberegg/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/ai/oberegg/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/ai/oberegg/child/with-accident/deductible-600/
- Deductible Premiums 2026 in Oberegg (AI), child, deductible of 0 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/deductible-0/
- Deductible Premiums 2026 in Oberegg (AI), child, deductible of 100 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/deductible-100/
- Deductible Premiums 2026 in Oberegg (AI), child, deductible of 200 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/deductible-200/
- Deductible Premiums 2026 in Oberegg (AI), child, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/deductible-300/
- Deductible Premiums 2026 in Oberegg (AI), child, deductible of 400 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/deductible-400/
- Deductible Premiums 2026 in Oberegg (AI), child, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/oberegg/child/no-accident/deductible-500/

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