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Change the search: Schwende-RüteAdultYoung adultChild · with accidentwithout accidentThe lowest monthly premiumThe lowest deductible300 CHF500 CHF1'000 CHF1'500 CHF2'000 CHF2'500 CHF0 CHF100 CHF200 CHF400 CHF600 CHF

Health insurance premiums 2026 in Schwende-Rüte (AI) For a young adult aged 19 to 25 who wants a deductible of 300 CHF without accident cover

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114 offersfrom 23 health insurers

Young adult (19 to 25) · without accident cover · deductible of 300 CHF

Results sorted by ascending monthly premium for the selected criteria.

The amount shown is the FOPH-approved premium less the redistribution of the environmental levies, 5.15 CHF per person per month (set by the Confederation for the year, source FOEN). It is not necessarily your invoice: your canton’s individual premium reduction or a discount for annual payment, for example, are not taken into account.

In Schwende-Rüte (canton Appenzell Innerrhoden), in 2026, for a young adult aged 19 to 25 with a 300 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 239.55 CHF with Sympany (callmed 24 model) and the most expensive is 376.75 CHF with Groupe Mutuel – Avenir (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Schwende-Rüte for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?

In 2026, without accident cover, the cheapest offer in Schwende-Rüte is Sympany (callmed 24) at 239.55 CHF a month. The cheapest standard model (free choice of doctor) is CSS (Standard model) at 261.85 CHF a month.

How much does health insurance cost in Schwende-Rüte in 2026 for a young adult aged 19 to 25?

For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, monthly premiums run from 239.55 CHF (Sympany, callmed 24) to 376.75 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: 211.45 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 300 CHF or 2'500 CHF better in Schwende-Rüte for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Sympany, callmed 24), the premium goes from 239.55 CHF a month with the 300 CHF deductible to 147.85 CHF with the 2'500 CHF deductible: 91.70 CHF less a month, 1'100.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'523 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

Which model is the cheapest in Schwende-Rüte 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 300 CHF and without accident cover, the cheapest premium per model is: standard model 261.85 CHF (CSS), family doctor / HMO 239.55 CHF (Sympany), flexible model 245.25 CHF (Sympany), telemedicine 239.55 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 244.70 CHF at Sympany (callmed 24) gives 239.55 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.

Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.