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

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · with accident cover · monthly premiums in CHF_

In [Heiden](https://praemiencheck.onedoc.ch/en/ar/heiden/) ([canton Appenzell Ausserrhoden](https://praemiencheck.onedoc.ch/en/ar/)), in 2027, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ar/heiden/young-adult/) with a 500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/ar/heiden/young-adult/with-accident/), the cheapest monthly basic insurance premium is **306.20 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 508.40 CHF with SLKK (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 316.30 | 306.20 | 281.00 | 255.80 | 230.50 | 205.40 | +5.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 336.40 | 324.80 | 295.60 | 266.40 | 237.30 | 209.60 | +1.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 336.40 | 325.70 | 298.90 | 272.00 | 245.20 | 218.40 | +4.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 344.70 | 333.05 | 303.90 | 274.70 | 245.55 | 216.40 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 344.70 | 333.05 | 303.90 | 274.70 | 245.55 | 216.40 | New tariff 2027 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 347.80 | 336.20 | 307.00 | 277.80 | 248.70 | 219.50 | +6.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 348.30 | 336.65 | 307.50 | 278.30 | 249.15 | 220.00 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 348.30 | 336.65 | 307.50 | 278.30 | 249.15 | 220.00 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 348.30 | 336.65 | 307.50 | 278.30 | 249.15 | 220.00 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 348.30 | 336.65 | 307.50 | 278.30 | 249.15 | 220.00 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 348.30 | 336.65 | 307.50 | 278.30 | 249.15 | 220.00 | New tariff 2027 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 348.70 | 337.10 | 307.90 | 278.70 | 249.60 | 220.40 | +4.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 348.70 | 337.10 | 307.90 | 278.70 | 249.60 | 220.40 | +4.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 348.70 | 337.10 | 307.90 | 278.70 | 249.60 | 220.40 | +4.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 351.10 | 339.50 | 310.30 | 281.10 | 252.00 | 222.80 | +2.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 353.10 | 341.50 | 312.30 | 283.10 | 254.00 | 224.80 | +3.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 353.10 | 343.30 | 321.10 | 291.10 | 256.40 | 225.00 | +4.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 354.20 | 343.50 | 316.60 | 289.90 | 263.00 | 236.30 | +2.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 354.20 | 343.50 | 316.60 | 289.90 | 263.00 | 236.30 | +2.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 354.20 | 345.50 | 323.20 | 292.70 | 257.60 | 225.90 | +4.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 357.70 | 346.10 | 316.90 | 287.70 | 258.60 | 229.40 | +0.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 359.05 | 347.40 | 318.25 | 289.05 | 259.90 | 230.75 | +3.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 357.80 | 347.70 | 322.30 | 297.00 | 271.60 | 240.50 | +6.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 359.80 | 348.20 | 319.00 | 289.80 | 260.70 | 231.50 | +6.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 360.00 | 348.30 | 323.20 | 294.00 | 260.80 | 231.60 | New tariff 2027 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 360.70 | 349.10 | 319.90 | 290.70 | 261.60 | 232.40 | +4.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 360.70 | 349.10 | 319.90 | 290.70 | 261.60 | 232.40 | +4.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 361.10 | 349.50 | 320.30 | 291.10 | 262.00 | 232.80 | +2.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 364.00 | 352.30 | 341.40 | 330.40 | 305.30 | 276.10 | New tariff 2027 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 365.70 | 354.00 | 324.90 | 295.70 | 266.50 | 237.40 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 365.80 | 354.20 | 325.00 | 295.80 | 266.70 | 237.50 | New tariff 2027 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 365.90 | 357.30 | 325.20 | 295.90 | 266.80 | 239.10 | +4.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 369.80 | 358.20 | 329.00 | 299.80 | 270.70 | 241.50 | +6.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 364.90 | 358.20 | 324.10 | 294.90 | 265.70 | 236.60 | +7.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 364.90 | 358.20 | 324.10 | 294.90 | 265.70 | 236.60 | +7.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 371.90 | 360.30 | 331.10 | 301.90 | 272.80 | 243.60 | +5.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 372.10 | 360.40 | 337.30 | 308.20 | 272.90 | 243.80 | New tariff 2027 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 374.90 | 363.30 | 334.10 | 304.90 | 275.80 | 246.60 | +4.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 375.10 | 363.50 | 334.30 | 305.10 | 276.00 | 246.80 | +0.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 375.30 | 363.70 | 334.50 | 305.30 | — | 247.00 | +4.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 378.30 | 366.70 | 337.50 | 308.40 | 279.20 | 250.10 | +6.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 379.80 | 368.20 | 339.00 | 309.80 | 280.70 | 251.50 | +4.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 378.10 | 370.55 | 340.30 | 310.05 | 279.80 | 251.80 | +0.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 382.30 | 370.70 | 341.50 | 312.30 | 283.20 | 254.00 | +2.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 384.10 | 372.40 | 343.20 | 314.10 | 284.90 | 255.70 | +4.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 380.20 | 372.60 | 347.40 | 318.30 | 297.20 | 268.00 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 380.20 | 372.60 | 343.40 | 314.20 | 281.00 | 251.90 | New tariff 2027 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 384.30 | 372.60 | 343.50 | 314.30 | 285.10 | 256.00 | +5.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 384.90 | 373.30 | 344.10 | 314.90 | 285.80 | 256.60 | +4.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 384.90 | 373.30 | 344.10 | 314.90 | 285.80 | 256.60 | +4.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 385.00 | 373.40 | 344.20 | 315.00 | 285.90 | 256.70 | +2.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 386.70 | 375.00 | 345.80 | 316.70 | 287.50 | 258.30 | +0.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 388.20 | 376.60 | 347.40 | 318.20 | 289.10 | 259.90 | +5.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 389.90 | 378.30 | 349.10 | 319.90 | 290.80 | 261.60 | +7.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 389.90 | 378.30 | 349.10 | 319.90 | 290.80 | 261.60 | +7.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 390.60 | 378.90 | 349.70 | 320.60 | 291.40 | 262.20 | +4.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 390.80 | 379.20 | 350.00 | 320.80 | — | 262.50 | +4.4 % |
| [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) | 390.80 | 379.20 | 350.00 | 320.80 | — | 262.50 | +4.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 386.10 | 379.40 | 345.30 | 316.10 | 286.90 | 257.80 | +7.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 393.90 | 382.30 | 353.10 | 323.90 | — | 265.60 | +4.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 394.20 | 382.60 | 353.40 | 324.20 | 295.10 | 265.90 | New tariff 2027 |
| [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 | 396.00 | 384.40 | 355.20 | 326.00 | 296.90 | 267.70 | +5.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 392.30 | 384.70 | 359.60 | 330.40 | 305.30 | 276.10 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 392.30 | 384.70 | 359.60 | 330.40 | 305.30 | 276.10 | New tariff 2027 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 397.40 | 385.70 | 356.60 | 327.40 | 298.20 | 269.10 | +5.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 397.50 | 386.00 | 357.00 | 327.50 | 298.50 | 269.50 | +10.3 % |
| [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) | 399.70 | 388.20 | 359.20 | 329.70 | 300.70 | 271.70 | +10.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 399.80 | 388.20 | 359.00 | 329.80 | 300.70 | 271.50 | +6.4 % |
| [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 | 400.50 | 388.90 | 359.70 | 330.50 | 301.40 | 272.20 | +5.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 400.50 | 388.90 | 359.70 | 330.50 | 301.40 | 272.20 | +7.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 400.80 | 389.20 | 360.00 | 330.80 | 301.70 | 272.50 | +4.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 401.20 | 389.60 | 360.40 | 331.20 | 302.10 | 272.90 | +2.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 398.00 | 390.05 | 358.20 | 330.35 | 302.50 | 270.65 | 0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 401.80 | 390.10 | 360.90 | 331.80 | 302.60 | 273.40 | +5.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 397.50 | 390.90 | 356.70 | 327.50 | 298.40 | 269.20 | +7.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 403.60 | 391.90 | 362.80 | 333.60 | 304.40 | 275.30 | +4.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 398.80 | 392.20 | 358.00 | 328.80 | 299.70 | 270.50 | +7.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 404.40 | 392.80 | 363.60 | 334.40 | 305.30 | 276.10 | +2.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 406.10 | 394.50 | 365.30 | 336.10 | 307.00 | 277.80 | +5.5 % |
| [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 | 406.20 | 394.60 | 365.40 | 336.20 | — | 277.90 | +2.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 403.10 | 396.40 | 362.20 | 333.10 | 303.90 | 274.70 | +7.9 % |
| [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 | 409.60 | 398.00 | 368.80 | 339.60 | 310.50 | 281.30 | +5.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 411.20 | 399.60 | 370.40 | 341.30 | 312.10 | 282.90 | +6.2 % |
| [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) | 413.50 | 402.00 | 373.00 | 343.50 | 314.50 | 285.50 | +10.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 413.50 | 402.00 | 373.00 | 343.50 | 314.50 | 285.50 | +10.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 414.80 | 403.20 | 374.00 | 344.80 | 315.70 | 286.50 | +5.4 % |
| [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 | 418.70 | 407.10 | 377.90 | 348.70 | 319.60 | 290.40 | +4.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 418.70 | 407.10 | 377.90 | 348.70 | 319.60 | 290.40 | +3.4 % |
| [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) | 429.00 | 417.50 | 388.50 | 359.00 | 330.00 | 301.00 | +4.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 424.30 | 417.60 | 383.40 | 354.30 | 325.10 | 295.90 | +7.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 431.30 | 419.70 | 390.50 | 361.30 | 332.20 | 303.00 | +4.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 431.40 | 419.90 | 390.90 | 361.40 | 332.40 | 303.40 | +4.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 434.70 | 423.10 | 393.90 | 364.70 | 335.60 | 306.40 | +1.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 434.90 | 423.20 | 394.10 | 364.90 | 335.70 | 306.60 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 436.70 | 425.00 | 395.80 | 366.70 | 337.50 | 308.30 | +5.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 436.70 | 425.20 | 396.20 | 366.70 | 337.70 | 308.70 | +10.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 437.10 | 425.50 | 396.30 | 367.10 | — | 308.80 | +4.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 439.70 | 428.10 | 398.90 | 369.70 | 340.60 | 311.40 | +1.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 440.60 | 429.00 | 399.80 | 370.60 | 341.50 | 312.30 | +4.1 % |
| [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) | 443.60 | 432.10 | 403.10 | 373.60 | 344.60 | 315.60 | +4.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 443.60 | 432.10 | 403.10 | 373.60 | 344.60 | 315.60 | +4.7 % |
| [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) | 446.80 | 435.30 | 406.30 | 376.80 | 347.80 | 318.80 | +10.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 449.50 | 437.90 | 408.70 | 379.50 | 350.40 | 321.20 | +1.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 449.50 | 437.90 | 408.70 | 379.50 | 350.40 | 321.20 | +1.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 449.40 | 437.90 | 408.90 | 379.40 | 350.40 | 321.40 | +10.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 455.20 | 443.60 | 414.40 | 385.20 | 356.10 | 326.90 | +3.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 456.80 | 445.30 | 416.30 | 386.80 | 357.80 | 328.80 | +10.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 457.60 | 447.40 | 421.70 | 396.00 | 370.40 | 344.70 | +4.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 463.70 | 452.10 | 422.90 | 393.70 | 364.60 | 335.40 | +4.1 % |
| [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) | 464.60 | 453.10 | 424.10 | 394.60 | 365.60 | 336.60 | +10.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 468.00 | 457.50 | 431.20 | 405.00 | 378.80 | 352.50 | +4.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 473.20 | 462.60 | 436.00 | 409.50 | 383.00 | 356.40 | +4.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 487.40 | 475.90 | 446.90 | 417.40 | 388.40 | 359.40 | +4.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 494.00 | 482.40 | 453.20 | 424.00 | 394.90 | 365.70 | +1.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 507.70 | 496.20 | 467.20 | 437.70 | 408.70 | 379.70 | +10.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 520.00 | 508.40 | 479.20 | 450.00 | 420.90 | 391.70 | +4.4 % |

\* insurer’s default model

## Frequently asked questions

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

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/ar/heiden/young-adult/with-accident/), the cheapest offer in [Heiden](https://praemiencheck.onedoc.ch/en/ar/heiden/) is Agrisano (AGRIsmart) at 306.20 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 347.40 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ar/heiden/young-adult/) with a deductible of 500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/ar/heiden/young-adult/with-accident/), monthly premiums run from 306.20 CHF (Agrisano, AGRIsmart) to 508.40 CHF (SLKK, 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: 289.00 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 316.30 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/heiden/young-adult/with-accident/deductible-300/) to 205.40 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/heiden/young-adult/with-accident/deductible-2500/): 110.90 CHF less a month, 1'330.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'779 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Heiden 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 500 CHF and with accident cover, the cheapest premium per model is: standard model 347.40 CHF (Sanitas), family doctor / HMO 324.80 CHF (CSS), flexible model 336.65 CHF (Sanitas), telemedicine 306.20 CHF (Agrisano).

### 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: Heiden 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 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/ar/heiden/young-adult/with-accident/deductible-300/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/ar/heiden/young-adult/with-accident/deductible-300/ — replace `ar` with your canton’s two-letter code (ge, vd, zh…), `heiden` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-500` with `deductible-2500` for another deductible. Markdown version: add `.md`.