# Health insurance premiums 2026 in Gais (AR), for a child aged 0 to 18, deductible of 100 CHF, without accident cover

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

In [Gais](https://praemiencheck.onedoc.ch/en/ar/gais/) ([canton Appenzell Ausserrhoden](https://praemiencheck.onedoc.ch/en/ar/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ar/gais/child/) with a 100 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/ar/gais/child/no-accident/), the cheapest monthly basic insurance premium is **82.25 CHF** with **Assura** (FeminaVita model) and the most expensive is 156.65 CHF with Atupri (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (100 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 87.65 | 82.25 | 76.85 | 71.35 | 65.95 | 60.55 | 55.05 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 87.65 | 82.25 | 76.85 | 71.35 | 65.95 | 60.55 | 55.05 | +2.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 92.55 | 87.85 | 83.25 | 78.45 | 73.75 | 66.35 | — | +3.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 96.45 | 91.05 | 85.65 | 80.25 | 74.85 | — | 63.95 | +6.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 96.95 | 91.95 | 86.95 | 81.85 | 76.95 | 71.95 | 66.85 | +1.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 96.95 | 91.95 | 86.95 | 81.85 | 76.95 | 71.95 | 66.85 | +1.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 97.75 | 92.35 | 86.95 | 81.55 | 76.15 | — | 65.25 | +6.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 98.15 | 92.75 | 87.35 | 81.95 | 76.45 | 71.05 | — | +3.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 98.35 | 92.95 | 87.55 | 82.05 | 76.65 | — | 65.85 | +8.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 98.75 | 93.35 | 87.95 | 82.55 | 77.15 | 71.75 | 66.25 | +2.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 101.15 | 95.65 | 90.15 | 84.55 | 79.05 | 73.65 | 68.05 | +9.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 101.15 | 95.65 | 90.15 | 84.55 | 79.05 | 73.65 | 68.05 | +9.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 101.05 | 95.65 | 90.25 | 84.75 | 79.35 | 73.95 | 68.45 | +2.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 96.75 | 95.85 | 94.95 | 94.05 | 93.05 | 92.15 | — | +8.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 103.25 | 97.85 | 92.45 | 86.95 | 81.55 | 76.15 | 70.65 | New tariff 2026 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 103.35 | 98.05 | 92.65 | 87.15 | 81.75 | — | 70.85 | +10.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 103.65 | 98.15 | 92.75 | 87.25 | 81.85 | 76.35 | 70.95 | +8.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 103.65 | 98.15 | 92.75 | 87.25 | 81.85 | 76.35 | 70.95 | +8.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 104.15 | 98.65 | 93.15 | 87.65 | 82.15 | 76.65 | 71.05 | +9.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 104.30 | 98.90 | 93.50 | 88.00 | 82.60 | 77.20 | 71.70 | 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 | 104.30 | 98.90 | 93.50 | 88.00 | 82.60 | 77.20 | 71.70 | 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 | 104.30 | 98.90 | 93.50 | 88.00 | 82.60 | 77.20 | 71.70 | 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 | 104.30 | 98.90 | 93.50 | 88.00 | 82.60 | 77.20 | 71.70 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 104.35 | 98.95 | 93.55 | 88.05 | 82.65 | 77.25 | 71.75 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 105.55 | 100.15 | 94.75 | 89.25 | 83.85 | 78.45 | 72.95 | New tariff 2026 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 105.75 | 100.35 | 94.95 | 89.45 | 84.05 | 78.65 | 73.15 | +1.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 101.25 | 100.35 | 99.45 | 98.45 | 97.55 | 96.65 | — | +8.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 106.55 | 101.15 | 95.85 | 90.35 | 84.95 | 79.55 | 74.05 | +2.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 107.05 | 101.65 | 96.25 | 90.85 | 85.35 | 79.95 | — | +3.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 107.45 | 101.95 | 96.55 | 91.05 | 85.65 | 80.15 | 74.75 | +8.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 107.45 | 102.05 | 96.65 | 91.15 | 85.75 | 80.35 | 74.85 | +3.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 107.45 | 102.05 | 96.65 | 91.15 | 85.75 | 80.35 | 74.85 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 107.75 | 102.35 | 96.95 | 91.45 | 86.05 | 80.65 | 75.15 | +5.6 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 108.15 | 102.50 | 96.85 | 91.15 | 85.50 | 79.85 | 74.15 | +7.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 108.65 | 103.25 | 97.95 | 92.45 | 87.05 | 81.65 | 76.15 | +3.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 109.25 | 103.85 | 98.45 | 92.95 | 87.55 | — | 76.65 | +6.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 109.85 | 104.45 | 99.05 | 93.55 | 88.15 | 82.85 | 77.35 | +8.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 110.35 | 104.95 | 99.45 | 94.05 | 88.55 | 83.15 | 77.65 | +2.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 110.55 | 105.15 | 99.75 | 94.25 | 88.85 | 83.45 | 77.95 | +8.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 111.15 | 105.75 | 100.35 | 94.85 | 89.45 | 84.05 | 78.65 | +8.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 111.25 | 105.85 | 100.45 | 94.95 | 89.55 | 84.15 | 78.65 | +3.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 112.85 | 107.45 | 101.95 | 96.55 | 91.05 | 85.65 | 80.15 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 113.05 | 107.65 | 102.15 | 96.75 | 91.25 | 85.85 | 80.35 | +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 | 114.35 | 108.95 | 103.65 | 98.15 | 92.75 | 87.35 | 81.85 | +8.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 109.95 | 109.05 | 108.15 | 107.15 | 106.25 | 105.35 | — | +6.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 114.45 | 109.05 | 103.65 | 98.15 | 92.75 | 87.35 | 81.85 | +4.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 114.15 | 109.35 | 103.40 | 97.45 | 91.45 | 85.50 | 79.55 | +8.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 114.95 | 109.55 | 104.05 | 98.65 | 93.15 | 87.75 | 82.25 | +8.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 114.95 | 109.55 | 104.05 | 98.65 | 93.15 | 87.75 | 82.25 | +8.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 114.95 | 109.55 | 104.05 | 98.65 | 93.15 | 87.75 | 82.25 | +8.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 115.05 | 109.65 | 104.25 | 98.85 | 93.45 | 88.05 | 82.55 | +4.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 115.75 | 110.35 | 104.95 | 99.45 | 94.05 | 88.65 | 83.25 | +4.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 115.75 | 110.35 | 104.95 | 99.45 | 94.05 | 88.65 | 83.25 | +4.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 116.25 | 110.75 | 105.25 | 99.75 | 94.25 | 88.75 | 83.15 | +7.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 115.55 | 110.75 | 105.95 | 101.05 | 96.55 | 91.45 | 86.65 | +18.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 117.65 | 112.15 | 106.75 | 101.25 | 95.85 | 90.35 | 84.95 | +3.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 118.25 | 113.35 | 108.45 | 103.45 | 98.85 | 93.65 | 88.65 | +18.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 119.65 | 114.75 | 109.75 | 104.75 | 99.95 | 94.75 | 89.75 | +18.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 120.65 | 115.25 | 109.85 | 104.35 | 98.95 | 93.55 | 88.05 | +3.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 121.25 | 115.85 | 110.35 | 104.95 | 99.45 | 94.05 | 88.55 | +8.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 121.65 | 116.15 | 110.75 | 105.25 | 99.85 | 94.35 | 88.95 | +3.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 121.65 | 116.15 | 110.75 | 105.25 | 99.85 | 94.35 | 88.95 | +3.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 121.65 | 116.15 | 110.75 | 105.25 | 99.85 | 94.35 | 88.95 | +3.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 124.05 | 118.65 | 113.25 | 107.85 | 102.45 | 97.05 | 91.55 | +8.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 124.25 | 118.85 | 113.35 | 107.95 | 102.45 | 97.05 | 91.55 | +3.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 126.25 | 120.85 | 115.35 | 109.95 | 104.45 | 99.05 | 93.55 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 126.25 | 120.85 | 115.35 | 109.95 | 104.45 | 99.05 | 93.55 | New tariff 2026 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 127.75 | 122.35 | 116.95 | 111.45 | 106.05 | 100.65 | 95.15 | +4.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 128.25 | 122.85 | 117.35 | 111.95 | 106.45 | 101.05 | 95.55 | +3.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 132.05 | 126.55 | 121.15 | 115.55 | 110.35 | 104.65 | 99.15 | +18.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 133.45 | 128.05 | 122.55 | 117.15 | 111.65 | 106.25 | 100.75 | +4.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 142.15 | 136.55 | 131.05 | — | 119.95 | — | 108.85 | +5.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 143.75 | 138.25 | 132.65 | — | 121.55 | — | 110.45 | +5.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 147.15 | 141.65 | 136.15 | — | 125.05 | — | 113.85 | +5.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 147.15 | 141.65 | 136.15 | — | 125.05 | — | 113.85 | +5.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 162.15 | 156.65 | 151.15 | — | 140.05 | — | 128.85 | +5.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 81.05 | — | 71.55 | 66.75 | 62.05 | 57.15 | 52.45 | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 87.05 | — | 76.85 | 71.85 | 66.65 | 61.55 | 56.55 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 88.25 | — | 79.65 | — | 70.95 | — | 62.25 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 88.55 | — | — | 72.25 | — | — | 57.05 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 91.75 | — | — | 75.45 | — | — | 59.15 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 94.15 | — | 84.95 | — | 75.65 | — | 66.45 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 94.15 | — | 84.95 | — | 75.65 | — | 66.45 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 94.95 | — | — | — | — | 67.95 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 94.95 | — | — | — | — | 67.95 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 94.95 | — | — | — | — | 67.95 | — | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 95.05 | — | 83.95 | 78.45 | 72.95 | 67.35 | 61.85 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 95.25 | — | 85.95 | — | 76.65 | — | 67.25 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 96.15 | — | — | — | — | 69.15 | — | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 96.45 | — | 85.65 | — | 74.75 | — | 63.95 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 98.55 | — | — | — | — | 71.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 98.55 | — | — | — | — | 71.45 | — | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 99.95 | — | 89.25 | — | 78.35 | — | 67.45 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 101.75 | — | 90.95 | — | 80.05 | — | 69.25 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 102.05 | — | — | — | — | 74.95 | — | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 102.25 | — | 93.85 | — | 82.95 | — | 72.15 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 102.85 | — | 92.05 | — | 81.25 | — | 70.35 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 103.25 | — | — | — | — | 76.15 | — | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 103.45 | — | 93.45 | — | 83.25 | — | 73.15 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 104.35 | — | — | 88.05 | — | — | 71.75 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 108.15 | — | 99.75 | — | 88.85 | — | 78.05 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 109.35 | — | 100.85 | — | 91.25 | — | 80.35 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 110.55 | — | 102.05 | — | 91.25 | — | 80.35 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 111.55 | — | 100.75 | — | 89.85 | — | 79.05 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 111.65 | — | 100.85 | — | 89.95 | — | 79.05 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 112.75 | — | — | — | — | 85.65 | — | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 112.95 | — | 102.05 | — | 91.25 | — | 80.35 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 112.95 | — | 102.05 | — | 91.25 | — | 80.35 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 112.95 | — | 102.05 | — | 91.25 | — | 80.35 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 112.95 | — | 102.05 | — | 91.25 | — | 80.35 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 121.05 | — | 110.15 | — | 99.25 | — | 88.45 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 121.05 | — | 110.15 | — | 99.25 | — | 88.45 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 121.05 | — | 110.15 | — | 99.25 | — | 88.45 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 125.25 | — | 114.45 | — | 103.65 | — | 92.75 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 125.25 | — | 114.45 | — | 103.65 | — | 92.75 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 139.75 | — | 128.95 | — | 118.15 | — | 107.25 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Gais for a child aged 0 to 18 with a deductible of 100 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/ar/gais/child/no-accident/), the cheapest offer in [Gais](https://praemiencheck.onedoc.ch/en/ar/gais/) is Assura (FeminaVita) at 82.25 CHF a month. The cheapest standard model (free choice of doctor) is Sumiswalder Krankenkasse (Standard model) at 100.35 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ar/gais/child/) with a deductible of 100 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/ar/gais/child/no-accident/), monthly premiums run from 82.25 CHF (Assura, FeminaVita) to 156.65 CHF (Atupri, Standard model): 116 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: 100.75 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Assura, FeminaVita), the premium goes from 87.65 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/gais/child/no-accident/deductible-0/) to 55.05 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/gais/child/no-accident/deductible-600/): 32.60 CHF less a month, 391.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 435 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Gais 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 100 CHF and without accident cover, the cheapest premium per model is: standard model 100.35 CHF (Sumiswalder Krankenkasse), family doctor / HMO 91.05 CHF (CSS), flexible model 82.25 CHF (Assura), telemedicine 87.85 CHF (Aquilana).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 12 of the 23 insurers present in Gais file a reduced premium from a certain number of children insured with them, at a 100 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Visana | Managed Care | 98.15 CHF | 35.85 CHF from the 3rd child |
| Galenos | Managed Care | 104.95 CHF | 36.45 CHF from the 3rd child |
| sana24 | Managed Care | 107.65 CHF | 37.45 CHF from the 3rd child |
| CONCORDIA | HMO | 95.65 CHF | 41.25 CHF from the 3rd child |
| Aquilana | SMARTMED | 87.85 CHF | 41.35 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 91.95 CHF | 43.45 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 102.05 CHF | 75.25 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 104.45 CHF | 77.05 CHF from the 5th child |
| Assura | FeminaVita | 82.25 CHF | 80.75 CHF from the 4th child, 79.15 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 109.05 CHF | 80.45 CHF from the 5th child |
| EGK | EGK-TelCare | 95.85 CHF | 82.55 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 110.75 CHF | 98.65 CHF from the 3rd 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 87.40 CHF at Assura (FeminaVita) gives 82.25 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: Gais is in region 0 of canton Appenzell Ausserrhoden.
- 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/ar/gais/child/no-accident/deductible-0/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/ar/gais/child/no-accident/deductible-0/ — replace `ar` with your canton’s two-letter code (ge, vd, zh…), `gais` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-100` with `deductible-600` for another deductible. Markdown version: add `.md`.