# Health insurance premiums 2027 in Oberegg (AI), for a young adult aged 19 to 25 who wants a deductible of 1'500 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · with 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 2027, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ai/oberegg/young-adult/) with a 1'500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/ai/oberegg/young-adult/with-accident/), the cheapest monthly basic insurance premium is **209.75 CHF** with **ÖKK** (ÖKK CASAMED HMO model) and the most expensive is 354.45 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 (1'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 279.75 | 268.15 | 238.95 | 209.75 | 180.65 | 171.15 | +4.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 278.15 | 267.95 | 242.85 | 217.55 | 192.25 | 167.35 | +12.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 289.55 | 277.95 | 248.75 | 219.55 | 190.45 | 171.15 | +4.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 292.35 | 280.75 | 251.55 | 222.35 | 193.25 | 165.65 | +9.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 293.85 | 282.25 | 253.05 | 223.85 | 194.75 | 177.95 | +7.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 294.55 | 282.95 | 253.75 | 224.55 | 195.45 | 171.15 | +4.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 295.35 | 283.75 | 254.55 | 225.35 | 196.25 | 182.95 | +19.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 295.35 | 283.75 | 254.55 | 225.35 | 196.25 | 182.95 | +19.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 297.75 | 286.15 | 256.95 | 227.75 | 198.65 | 171.15 | +4.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 299.05 | 287.45 | 258.25 | 229.05 | 199.95 | 177.95 | +9.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 299.35 | 287.75 | 258.55 | 229.35 | 200.25 | 171.05 | +9.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 299.65 | 292.95 | 258.85 | 229.65 | 200.45 | 180.45 | +5.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 299.65 | 292.95 | 258.85 | 229.65 | 200.45 | 180.45 | +5.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 299.85 | 288.25 | 259.05 | 229.85 | 200.75 | 173.35 | +10.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 299.95 | 288.35 | 259.15 | 229.95 | 200.85 | 185.75 | New tariff 2027 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 294.45 | 283.75 | 257.15 | 230.45 | 203.65 | 177.05 | +13.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 300.65 | 289.05 | 259.85 | 230.65 | 201.55 | 186.15 | −11.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 300.85 | 289.25 | 260.05 | 230.85 | 201.75 | 177.95 | +7.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 296.05 | 285.35 | 258.55 | 231.65 | 204.85 | 178.05 | +11.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 302.35 | 290.75 | 261.55 | 232.35 | 203.25 | 182.95 | +19.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 302.35 | 290.75 | 261.55 | 232.35 | 203.25 | 182.95 | +19.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 303.15 | 291.55 | 262.35 | 233.15 | 204.05 | 174.85 | +9.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 303.15 | 291.55 | 262.35 | 233.15 | 204.05 | 174.85 | +9.2 % |
| [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 R1 | 304.25 | 292.65 | 263.45 | 234.25 | 205.15 | 186.15 | −10.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 306.55 | 294.95 | 265.75 | 236.55 | 207.45 | 178.25 | +14.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 307.75 | 296.15 | 266.95 | 237.75 | 208.65 | 186.15 | −11.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 307.75 | 296.15 | 266.95 | 237.75 | 208.65 | 186.15 | −8.8 % |
| [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) | 308.55 | 297.05 | 268.05 | 238.55 | 209.55 | 187.65 | 0.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 309.85 | 298.25 | 269.05 | 239.85 | 210.75 | 181.55 | +12.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 310.35 | 298.85 | 269.85 | 240.35 | 211.35 | 187.65 | 0.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 310.55 | 298.95 | 269.75 | 240.55 | 211.45 | 185.75 | +7.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 311.55 | 299.95 | 270.75 | 241.55 | 212.45 | 183.25 | +13.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 311.75 | 305.05 | 270.95 | 241.75 | 212.55 | 183.45 | +4.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 312.15 | 300.55 | 271.35 | 242.15 | 213.05 | 183.85 | +13.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 312.15 | 300.65 | 271.65 | 242.15 | 213.15 | 187.65 | 0.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 312.75 | 301.15 | 271.95 | 242.75 | — | 184.45 | +2.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 312.85 | 301.25 | 272.05 | 242.85 | — | 184.55 | +2.7 % |
| [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) | 312.85 | 301.25 | 272.05 | 242.85 | — | 184.55 | +2.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 308.05 | 297.25 | 270.45 | 243.65 | 216.85 | 190.05 | +5.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 308.05 | 297.25 | 270.45 | 243.65 | 216.85 | 190.05 | +5.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 314.05 | 302.45 | 273.25 | 244.05 | 214.95 | 185.75 | +7.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 314.20 | 302.55 | 273.40 | 244.20 | 215.05 | 185.90 | +8.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 314.20 | 302.55 | 273.40 | 244.20 | 215.05 | 185.90 | +8.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 314.85 | 303.25 | 274.05 | 244.85 | 215.75 | 186.55 | −10.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 315.05 | 303.45 | 274.25 | 245.05 | — | 186.75 | +3.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 315.55 | 308.85 | 274.75 | 245.55 | 216.35 | 187.25 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 312.75 | 301.05 | 275.35 | 246.15 | 213.55 | 184.45 | New tariff 2027 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 317.55 | 305.90 | 276.75 | 247.55 | 218.40 | 189.25 | +8.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 317.55 | 305.90 | 276.75 | 247.55 | 218.40 | 189.25 | +8.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 317.55 | 305.90 | 276.75 | 247.55 | 218.40 | 189.25 | +8.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 317.55 | 305.90 | 276.75 | 247.55 | 218.40 | 189.25 | +8.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 317.55 | 305.90 | 276.75 | 247.55 | 218.40 | 189.25 | +8.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 318.95 | 312.35 | 278.15 | 248.95 | 219.85 | 190.65 | +4.9 % |
| [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) | 319.25 | 307.75 | 278.75 | 249.25 | 220.25 | 191.25 | 0.0 % |
| [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 R4 | 321.95 | 310.35 | 281.15 | 251.95 | 222.85 | 193.65 | −11.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 321.95 | 310.35 | 281.15 | 251.95 | 222.85 | 193.65 | −12.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 322.25 | 310.65 | 281.45 | 252.25 | 223.15 | 193.95 | +4.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 322.25 | 310.55 | 281.45 | 252.25 | 223.05 | 193.95 | +11.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 323.35 | 311.65 | 282.45 | 253.35 | 224.15 | 194.95 | +18.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 323.85 | 317.15 | 282.95 | 253.85 | 224.65 | 195.45 | +4.9 % |
| [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 | 323.95 | 312.35 | 283.15 | 253.95 | — | 195.65 | +1.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 317.95 | 309.65 | 283.95 | 254.75 | 232.45 | 203.35 | +7.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 327.50 | 315.85 | 286.70 | 257.50 | 228.35 | 199.20 | +8.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 324.75 | 316.55 | 287.35 | 258.25 | 225.65 | 196.45 | +8.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 320.15 | 309.95 | 284.25 | 258.55 | 232.95 | 207.25 | +4.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 330.15 | 318.55 | 289.35 | 260.15 | 231.05 | 201.85 | +5.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 331.75 | 320.15 | 290.95 | 261.75 | 232.65 | 203.45 | +7.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 331.75 | 320.15 | 290.95 | 261.75 | 232.65 | 203.45 | +7.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 331.85 | 320.25 | 291.05 | 261.85 | 232.75 | 203.55 | +6.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 329.65 | 319.60 | 289.50 | 262.75 | 232.65 | 209.25 | −0.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 333.15 | 321.65 | 292.65 | 263.15 | 234.15 | 208.75 | +7.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 328.25 | 316.55 | 292.55 | 263.35 | 229.05 | 199.85 | +10.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 333.65 | 322.05 | 292.85 | 263.65 | 234.55 | 205.35 | +9.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 327.55 | 317.15 | 290.85 | 264.55 | 238.35 | 212.15 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 328.25 | 319.95 | 294.25 | 265.05 | 239.35 | 210.15 | +7.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 335.25 | 323.65 | 294.45 | 265.25 | 236.15 | 206.95 | +5.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 335.25 | 323.65 | 294.45 | 265.25 | 236.15 | 218.35 | +7.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 335.35 | 323.75 | 294.55 | 265.35 | 236.25 | 207.05 | +6.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 331.25 | 320.75 | 294.15 | 267.55 | 241.05 | 214.55 | +5.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 337.75 | 326.15 | 296.95 | 267.75 | 238.65 | 209.45 | +5.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 338.45 | 326.85 | 297.65 | 268.45 | 239.35 | 210.15 | +5.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 338.45 | 326.85 | 297.65 | 268.45 | 239.35 | 210.15 | +9.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 340.45 | 328.85 | 299.65 | 270.45 | 241.35 | 212.15 | +8.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 341.05 | 329.55 | 300.55 | 271.05 | 242.05 | 213.05 | +7.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 341.15 | 334.45 | 300.25 | 271.15 | 241.95 | 212.75 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 341.55 | 329.95 | 300.75 | 271.55 | 242.45 | 213.25 | +5.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 342.75 | 331.15 | 301.95 | 272.75 | 243.65 | 218.35 | +7.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 344.25 | 332.55 | 303.45 | 274.25 | 245.05 | 215.95 | +18.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 344.95 | 333.45 | 304.45 | 274.95 | 245.95 | 216.95 | +7.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 346.25 | 334.65 | 305.45 | 276.25 | — | 217.95 | +4.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 349.25 | 337.55 | 308.35 | 279.25 | 250.05 | 220.85 | +5.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 349.45 | 337.85 | 308.65 | 279.45 | 250.35 | 221.15 | +7.6 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 347.25 | 336.70 | 308.55 | 280.35 | 248.70 | 220.55 | 0.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 350.45 | 338.85 | 309.65 | 280.45 | 251.35 | 222.15 | −12.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 334.55 | 325.55 | 303.05 | 280.55 | 257.55 | 235.05 | +4.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 351.05 | 339.45 | 310.25 | 281.05 | 251.95 | 222.75 | +7.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 351.25 | 339.75 | 310.75 | 281.25 | 252.25 | 223.25 | 0.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 351.55 | 339.95 | 311.05 | 281.55 | 257.55 | 234.55 | +5.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 353.25 | 341.55 | 312.35 | 283.25 | 254.05 | 224.85 | +6.6 % |
| [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) | 356.85 | 345.35 | 316.35 | 286.85 | 257.85 | 228.85 | +6.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 356.85 | 345.15 | 315.95 | 286.85 | 257.65 | 228.45 | +5.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 364.45 | 352.85 | 323.65 | 294.45 | 265.35 | 236.15 | +4.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 356.85 | 346.75 | 321.35 | 296.05 | 270.65 | 239.55 | +4.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 366.45 | 354.85 | 325.65 | 296.45 | 267.35 | 238.15 | +6.9 % |
| [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) | 370.85 | 359.35 | 330.35 | 300.85 | 271.85 | 242.85 | +5.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 375.15 | 363.65 | 334.65 | 305.15 | 276.15 | 247.15 | +5.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 375.85 | 364.15 | 334.95 | 305.85 | 276.65 | 247.45 | +5.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 377.55 | 365.95 | 336.75 | 307.65 | 278.45 | 249.55 | +4.9 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 372.25 | 362.25 | 337.75 | 313.25 | 288.75 | 264.25 | +4.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 383.75 | 372.25 | 343.25 | 313.75 | 284.75 | 255.75 | +5.6 % |
| [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) | 388.05 | 376.55 | 347.55 | 318.05 | 289.05 | 260.05 | +5.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 390.35 | 378.85 | 349.85 | 320.35 | 291.35 | 262.35 | +6.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 410.85 | 399.25 | 370.05 | 340.95 | 311.75 | 282.55 | +4.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 411.85 | 400.15 | 371.05 | 341.85 | 312.65 | 283.55 | +6.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 424.45 | 412.95 | 383.95 | 354.45 | 325.45 | 296.45 | +5.5 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Oberegg for a young adult aged 19 to 25 with a deductible of 1'500 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/ai/oberegg/young-adult/with-accident/), the cheapest offer in [Oberegg](https://praemiencheck.onedoc.ch/en/ai/oberegg/) is ÖKK (ÖKK CASAMED HMO) at 209.75 CHF a month. The cheapest standard model (free choice of doctor) is CSS (Standard model) at 242.15 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ai/oberegg/young-adult/) with a deductible of 1'500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/ai/oberegg/young-adult/with-accident/), monthly premiums run from 209.75 CHF (ÖKK, ÖKK CASAMED HMO) to 354.45 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: 221.05 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Oberegg for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 279.75 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ai/oberegg/young-adult/with-accident/deductible-300/) to 171.15 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ai/oberegg/young-adult/with-accident/deductible-2500/): 108.60 CHF less a month, 1'303.20 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'748 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

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

For a young adult aged 19 to 25 with a deductible of 1'500 CHF and with accident cover, the cheapest premium per model is: standard model 242.15 CHF (CSS), family doctor / HMO 209.75 CHF (ÖKK), flexible model 227.75 CHF (ÖKK), telemedicine 217.55 CHF (Agrisano).

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

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 214.50 CHF at ÖKK (ÖKK CASAMED HMO) gives 209.75 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: 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 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/oberegg/young-adult/with-accident/deductible-300/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/ai/oberegg/young-adult/with-accident/deductible-300/ — replace `ai` with your canton’s two-letter code (ge, vd, zh…), `oberegg` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-1500` with `deductible-2500` for another deductible. Markdown version: add `.md`.