# Health insurance premiums 2026 in Schwende-Rüte (AI), for an adult aged 26 or over who wants a deductible of 2'500 CHF without accident cover

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

In [Schwende-Rüte](https://praemiencheck.onedoc.ch/en/ai/schwende-rute/) ([canton Appenzell Innerrhoden](https://praemiencheck.onedoc.ch/en/ai/)), in 2026, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/) with a 2'500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/no-accident/), the cheapest monthly basic insurance premium is **210.75 CHF** with **Sympany** (callmed 24 model) and the most expensive is 380.85 CHF with Groupe Mutuel – Avenir (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (2'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 330.05 | 319.15 | 292.15 | 264.95 | 237.85 | 210.75 | +6.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 330.05 | 319.15 | 292.15 | 264.95 | 237.85 | 210.75 | +6.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 334.25 | 323.45 | 296.25 | 269.15 | — | 214.85 | +3.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 336.35 | 325.65 | 298.45 | 271.25 | 244.25 | 217.05 | +4.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 337.85 | 327.05 | 299.85 | 272.75 | 245.65 | 218.45 | +10.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 337.85 | 327.05 | 299.85 | 272.75 | 245.65 | 218.45 | +6.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 338.75 | 327.95 | 300.75 | 273.65 | 246.55 | 219.35 | −6.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 340.55 | 329.75 | 302.65 | 275.45 | 248.45 | 221.25 | +4.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 344.45 | 333.65 | 306.55 | 279.35 | 252.35 | 225.15 | +4.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 330.65 | 321.05 | 297.35 | 273.45 | 249.55 | 225.75 | +0.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 346.85 | 336.05 | 308.85 | 281.75 | 254.65 | 227.45 | −5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 347.05 | 336.25 | 309.05 | 281.90 | 254.80 | 227.60 | New tariff 2026 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 347.85 | 337.05 | 309.95 | 282.75 | — | 228.55 | +7.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 347.85 | 337.05 | 309.95 | 282.75 | — | 228.55 | +5.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 348.15 | 337.35 | 310.15 | 283.05 | 255.95 | 228.75 | +4.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 351.35 | 340.35 | 312.65 | 284.85 | 257.25 | 229.55 | +11.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 351.35 | 340.35 | 312.65 | 284.85 | 257.25 | 229.55 | +11.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 352.15 | 341.15 | 313.55 | 285.95 | 258.45 | 230.85 | +11.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 352.15 | 341.15 | 313.55 | 285.95 | 258.45 | 230.85 | +11.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 350.65 | 339.85 | 312.75 | 285.55 | — | 231.35 | +3.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 354.05 | 343.25 | 316.15 | 288.95 | 261.95 | 234.75 | +4.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 354.95 | 344.05 | 321.05 | 293.95 | 262.65 | 235.55 | +19.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 359.35 | 348.35 | 320.65 | 292.85 | 265.25 | 237.45 | +10.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 359.35 | 348.35 | 320.65 | 292.85 | 265.25 | 237.45 | +10.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 356.95 | 346.15 | 323.05 | 295.95 | 264.75 | 237.65 | +13.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 348.25 | 338.15 | 313.15 | 288.05 | 262.95 | 237.85 | −0.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 357.95 | 347.15 | 320.05 | 292.85 | 265.85 | 238.65 | +4.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 360.25 | 349.25 | 321.65 | 294.05 | 266.55 | 238.95 | +11.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 358.95 | 348.15 | 321.05 | 293.85 | 266.75 | 239.65 | −5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 359.25 | 348.45 | 321.35 | 294.15 | 267.05 | 239.85 | New tariff 2026 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 360.95 | 350.15 | 323.05 | 295.85 | 268.85 | 241.65 | −3.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 361.25 | 350.35 | 323.25 | 296.15 | 268.95 | 241.95 | +6.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 354.05 | 343.85 | 318.45 | 292.85 | 267.45 | 241.95 | −0.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 359.05 | 348.15 | 325.15 | 297.95 | 270.85 | 243.75 | +18.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 363.25 | 352.45 | 325.35 | 298.15 | 271.05 | 243.85 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 363.95 | 353.15 | 325.95 | 298.85 | 271.75 | 244.65 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 363.95 | 353.15 | 325.95 | 298.85 | 271.75 | 244.65 | +4.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 353.05 | 343.45 | 319.25 | 295.15 | 271.05 | 246.85 | +6.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 367.25 | 356.45 | 329.25 | 302.10 | 275.00 | 247.80 | New tariff 2026 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 368.95 | 358.05 | 330.85 | 303.55 | 276.35 | 249.05 | +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 | 369.35 | 358.65 | 331.65 | 304.25 | 277.25 | 250.25 | +6.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 369.95 | 359.15 | 331.95 | 304.85 | — | 250.65 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 371.30 | 360.50 | 333.30 | 306.15 | 279.05 | 251.85 | 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 | 371.30 | 360.50 | 333.30 | 306.15 | 279.05 | 251.85 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 371.35 | 360.55 | 333.45 | 306.25 | 279.15 | 251.95 | New tariff 2026 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 371.55 | 360.85 | 333.85 | 306.45 | 279.45 | 252.45 | +6.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 361.15 | 351.35 | 326.65 | 301.95 | 277.35 | 252.65 | +6.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 372.95 | 366.65 | 334.75 | 307.45 | 280.25 | 252.95 | +4.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 365.25 | 355.35 | 330.35 | 305.35 | 280.45 | 255.45 | +6.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 371.25 | 360.45 | 337.35 | 310.25 | 283.15 | 256.05 | +17.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 369.35 | 359.15 | 333.55 | 307.45 | 281.85 | 256.25 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 377.25 | 366.35 | 339.05 | 311.85 | 284.55 | 257.35 | +4.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 377.35 | 371.15 | 339.15 | 311.95 | 284.65 | 257.45 | +4.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 385.35 | 374.15 | 346.55 | 318.85 | 291.05 | 263.45 | −0.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 383.25 | 372.45 | 345.35 | 318.15 | 291.15 | 263.95 | +3.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 379.45 | 368.65 | 345.55 | 318.45 | 291.35 | 264.25 | +20.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 384.55 | 373.75 | 346.65 | 319.45 | 292.45 | 265.25 | +6.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 385.45 | 374.65 | 347.45 | 320.35 | 293.25 | 266.05 | −1.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 385.45 | 374.65 | 347.45 | 320.35 | 293.25 | 266.05 | −1.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 385.45 | 374.65 | 347.45 | 320.35 | 293.25 | 266.05 | 0.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 386.25 | 380.05 | 348.05 | 320.85 | 293.55 | 266.25 | +4.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 386.25 | 380.05 | 348.05 | 320.85 | 293.55 | 266.25 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 386.35 | 375.45 | 348.25 | 320.95 | 293.65 | 266.45 | +4.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 386.85 | 376.15 | 349.15 | 321.75 | 294.75 | 267.85 | +6.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 387.35 | 376.55 | 349.45 | 322.25 | 295.15 | 268.05 | +3.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 387.55 | 376.85 | 349.85 | 322.45 | 295.45 | 268.45 | +5.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 389.15 | 378.35 | 351.25 | 324.05 | — | 269.85 | +5.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 389.75 | 379.05 | 352.15 | 324.65 | 297.75 | 270.75 | +5.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 390.65 | 384.45 | 352.55 | 325.25 | 297.95 | 270.75 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 390.75 | 379.85 | 352.55 | 325.25 | 298.05 | 270.75 | +4.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 378.05 | 368.05 | 343.05 | 318.15 | 293.25 | 271.15 | +0.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 378.05 | 368.05 | 343.05 | 318.15 | 293.25 | 271.15 | +0.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 395.45 | 384.45 | 356.75 | 328.95 | 301.35 | 273.55 | +10.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 393.45 | 382.65 | 355.35 | 328.05 | 300.85 | 273.55 | +7.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 393.95 | 383.05 | 355.75 | 328.45 | 301.25 | 273.95 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 394.55 | 383.75 | 356.55 | 329.45 | 302.35 | 275.25 | 0.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 395.25 | 384.35 | 357.15 | 329.85 | 302.65 | 275.35 | +5.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 390.85 | 380.65 | 355.05 | 329.05 | 303.35 | 277.85 | +5.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 399.15 | 388.35 | 361.25 | 334.05 | 307.05 | 279.85 | −1.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 399.15 | 388.35 | 361.25 | 334.05 | 307.05 | 279.85 | New tariff 2026 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 399.45 | 388.65 | 361.45 | 334.35 | 307.25 | 280.05 | +1.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 399.65 | 388.85 | 361.75 | 334.55 | 307.45 | 280.25 | +10.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 400.35 | 389.45 | 362.25 | 334.95 | 307.75 | 280.45 | +7.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 401.85 | 390.95 | 363.55 | 336.05 | 308.75 | 281.25 | +6.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 403.05 | 392.05 | 364.45 | 336.85 | 309.35 | 281.85 | +8.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 403.15 | 392.25 | 365.05 | 337.75 | 310.45 | 283.25 | New tariff 2026 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 403.25 | 392.55 | 365.55 | 338.15 | 311.15 | 284.15 | +5.7 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 394.05 | 384.35 | 359.25 | 334.65 | 309.55 | 284.45 | +8.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 404.05 | 393.15 | 366.05 | 338.95 | 311.75 | 284.65 | +12.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 408.15 | 397.15 | 369.95 | 342.65 | 315.45 | 288.15 | +3.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 411.35 | 400.55 | 373.45 | 346.25 | 319.15 | 292.35 | +0.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 412.75 | 401.95 | 374.65 | 347.35 | 320.05 | 292.75 | +6.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 412.95 | 402.15 | 374.95 | 347.85 | 320.75 | 293.65 | 0.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 417.35 | 411.15 | 379.15 | 351.95 | 324.65 | 297.35 | +4.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 417.45 | 406.75 | 379.55 | 352.35 | 325.35 | 298.15 | 0.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 423.25 | 412.55 | 384.70 | 354.75 | 324.70 | 299.00 | +5.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 414.05 | 403.25 | 377.75 | 351.75 | 325.75 | 299.65 | +8.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 429.85 | 418.95 | 391.65 | 364.45 | 337.15 | 309.85 | +3.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 432.85 | 422.15 | 395.15 | 367.75 | 340.75 | 313.75 | +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 | 436.75 | 426.05 | 399.15 | 371.65 | 344.65 | 317.75 | +6.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 438.35 | 427.65 | 400.45 | 373.35 | 346.25 | 319.35 | +8.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 439.55 | 433.35 | 401.35 | 374.15 | 346.85 | 319.65 | +4.6 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 446.15 | 437.10 | 410.05 | 378.45 | 351.35 | 319.80 | +6.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 431.95 | 422.55 | 398.95 | 375.35 | 347.55 | 320.25 | +9.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 443.65 | 432.95 | 405.95 | 378.55 | 351.55 | 324.55 | +5.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 439.25 | 429.05 | 403.45 | 377.45 | 351.75 | 326.25 | +6.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 446.85 | 436.15 | 409.25 | 381.75 | 354.75 | 327.85 | +6.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 446.85 | 436.15 | 409.25 | 381.75 | 354.75 | 327.85 | +6.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 454.35 | 443.55 | 416.35 | 389.25 | 362.15 | 335.05 | 0.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 456.95 | 446.15 | 418.95 | 391.95 | 364.75 | 337.75 | +9.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 458.85 | 447.85 | 420.65 | 393.35 | 366.15 | 338.85 | +5.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 475.15 | 464.25 | 436.95 | 409.65 | 382.45 | 355.15 | +6.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 497.05 | 486.25 | 459.05 | 431.95 | 404.85 | 377.65 | +9.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 499.85 | 489.15 | 462.25 | 434.75 | 407.85 | 380.85 | +6.0 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Schwende-Rüte for an adult aged 26 or over with a deductible of 2'500 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/no-accident/), the cheapest offer in [Schwende-Rüte](https://praemiencheck.onedoc.ch/en/ai/schwende-rute/) is Sympany (callmed 24) at 210.75 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 263.45 CHF a month.

### How much does health insurance cost in Schwende-Rüte in 2026 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/) with a deductible of 2'500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/no-accident/), monthly premiums run from 210.75 CHF (Sympany, callmed 24) to 380.85 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: 317.65 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Schwende-Rüte for an adult aged 26 or over without accident cover?

On the cheapest offer (Sympany, callmed 24), the premium goes from 330.05 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/no-accident/deductible-300/) to 210.75 CHF with the 2'500 CHF deductible: 119.30 CHF less a month, 1'431.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'891 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Schwende-Rüte for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 2'500 CHF and without accident cover, the cheapest premium per model is: standard model 263.45 CHF (Agrisano), family doctor / HMO 210.75 CHF (Sympany), flexible model 218.45 CHF (Sympany), telemedicine 210.75 CHF (Sympany).

### 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 215.90 CHF at Sympany (callmed 24) gives 210.75 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: Schwende-Rüte 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/schwende-rute/adult/no-accident/deductible-300/

## Related pages

- Health insurance premiums 2026 in Schwende-Rüte (AI): every situation: https://praemiencheck.onedoc.ch/en/ai/schwende-rute/
- Premiums 2026 in Schwende-Rüte (AI), adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/
- Premiums 2026 in Schwende-Rüte (AI), adult, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/no-accident/
- Child: https://praemiencheck.onedoc.ch/en/ai/schwende-rute/child/
- Young adult: https://praemiencheck.onedoc.ch/en/ai/schwende-rute/young-adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/with-accident/deductible-2500/
- Deductible Premiums 2026 in Schwende-Rüte (AI), adult, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/no-accident/deductible-300/
- Deductible Premiums 2026 in Schwende-Rüte (AI), adult, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/no-accident/deductible-500/
- Deductible Premiums 2026 in Schwende-Rüte (AI), adult, deductible of 1'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/no-accident/deductible-1000/
- Deductible Premiums 2026 in Schwende-Rüte (AI), adult, deductible of 1'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/no-accident/deductible-1500/
- Deductible Premiums 2026 in Schwende-Rüte (AI), adult, deductible of 2'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ai/schwende-rute/adult/no-accident/deductible-2000/

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