# Health insurance premiums 2026 in Herisau (AR), for a young adult aged 19 to 25

In 2026, for a young adult aged 19 to 25 in Herisau, the cheapest health insurance premium is:

- [Without accident cover](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/): **280.85 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-300/) (Agrisano, AGRIsmart), **176.05 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-2500/) (Agrisano, AGRIsmart).
- [With accident cover](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/): **295.85 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/deductible-300/) (Agrisano, AGRIsmart), **185.55 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/deductible-2500/) (Agrisano, AGRIsmart).

## Without accident cover: from 176.05 to 463.45 CHF a month depending on the deductible and the model

116 offers from 23 health insurers. With a deductible of 300 CHF, the cheapest is **280.85 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 463.45 CHF with SLKK (Standard model).

Lowest premium:
- 300 CHF: 280.85 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-300/
- 500 CHF: 271.25 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-500/
- 1'000 CHF: 247.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 223.65 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 199.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 176.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 280.85 | 271.25 | 247.45 | 223.65 | 199.75 | 176.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 299.55 | 288.75 | 261.65 | 234.45 | 207.45 | 183.25 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 300.75 | 290.45 | 265.15 | 239.55 | 214.05 | 188.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 304.15 | 293.35 | 266.25 | 239.05 | 212.05 | 184.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 304.60 | 293.80 | 266.60 | 239.40 | 212.35 | 185.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 304.75 | 293.95 | 266.75 | 239.55 | 212.45 | 185.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 306.85 | 295.95 | 268.75 | 241.75 | 214.55 | 187.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 306.85 | 295.95 | 268.75 | 241.75 | 214.55 | 187.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 306.85 | 295.95 | 268.75 | 241.75 | 214.55 | 187.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 307.80 | 297.00 | 269.80 | 242.65 | 215.55 | 188.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 307.80 | 297.00 | 269.80 | 242.65 | 215.55 | 188.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 307.80 | 297.00 | 269.80 | 242.65 | 215.55 | 188.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 307.95 | 297.15 | 270.05 | 242.85 | 215.75 | 188.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 307.95 | 297.15 | 270.05 | 242.85 | 215.75 | 188.55 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 308.75 | 299.45 | 275.85 | 252.25 | 228.55 | 210.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 310.05 | 299.25 | 272.15 | 244.95 | 217.95 | 190.75 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 310.15 | 301.15 | 280.45 | 252.55 | 220.25 | 191.05 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 311.15 | 303.05 | 282.35 | 253.95 | 221.15 | 191.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 311.35 | 305.15 | 273.25 | 245.95 | 218.75 | 191.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 311.35 | 305.15 | 273.25 | 245.95 | 218.75 | 191.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 315.25 | 304.45 | 277.35 | 250.15 | 223.15 | 195.95 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 317.55 | 307.55 | 282.55 | 257.65 | 232.65 | 207.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 317.55 | 307.55 | 282.55 | 257.65 | 232.65 | 207.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 317.55 | 306.75 | 279.55 | 252.45 | 225.35 | 198.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 317.55 | 306.75 | 279.55 | 252.45 | 225.35 | 198.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 317.55 | 306.75 | 279.55 | 252.45 | 225.35 | 198.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 318.25 | 307.35 | 279.75 | 252.15 | 224.65 | 197.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 318.25 | 307.35 | 279.75 | 252.15 | 224.65 | 197.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 318.85 | 308.05 | 280.85 | 253.75 | 226.65 | 199.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 319.35 | 308.55 | 285.15 | 257.95 | 227.15 | 200.05 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 321.55 | 313.55 | 283.65 | 256.45 | 229.35 | 203.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 322.35 | 311.55 | 284.45 | 257.25 | 230.25 | 203.05 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 326.35 | 315.55 | 288.25 | 260.95 | 233.65 | 206.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 326.75 | 315.95 | 303.55 | 287.45 | 271.45 | 244.25 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 326.85 | 316.05 | 288.85 | 261.85 | 234.65 | 208.75 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 327.35 | 316.25 | 288.55 | 260.85 | 233.15 | 205.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 327.45 | 316.45 | 288.85 | 261.25 | 233.75 | 206.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 329.75 | 318.85 | 291.55 | 264.35 | 237.05 | 209.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 329.75 | 323.55 | 291.65 | 264.35 | 237.05 | 209.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 329.95 | 319.15 | 291.95 | 264.85 | — | 210.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 330.45 | 319.65 | 301.75 | 274.55 | 240.05 | 212.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 331.15 | 320.45 | 293.45 | 266.05 | 239.05 | 212.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 332.75 | 321.95 | 294.85 | 267.65 | 240.65 | 213.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 332.75 | 321.95 | 294.85 | 267.65 | 240.65 | 213.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 332.75 | 321.95 | 294.85 | 267.65 | 240.65 | 213.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 333.05 | 322.35 | 295.45 | 267.95 | 241.05 | 214.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 336.05 | 325.15 | 297.85 | 270.65 | 243.35 | 216.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 337.95 | 327.05 | 299.75 | 272.45 | 245.25 | 217.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 339.05 | 328.35 | 301.15 | 273.95 | 246.95 | 219.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 339.05 | 328.35 | 301.15 | 273.95 | 246.95 | 219.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 339.55 | 328.65 | 301.35 | 274.15 | 246.85 | 219.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 339.65 | 333.45 | 301.55 | 274.25 | 247.05 | 219.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 340.75 | 334.55 | 302.65 | 275.35 | 248.15 | 220.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 341.55 | 330.65 | 303.55 | 278.25 | 252.95 | 229.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 341.55 | 334.35 | 307.25 | 280.15 | 249.25 | 222.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 342.55 | 331.65 | 304.35 | 277.05 | 249.85 | 222.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 343.25 | 332.45 | 305.35 | 278.15 | 251.15 | 223.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 343.25 | 332.45 | 305.35 | 278.15 | 251.15 | 223.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 343.25 | 332.45 | 305.35 | 278.15 | 251.15 | 223.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 343.45 | 332.65 | 305.45 | 278.35 | — | 224.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 343.45 | 332.65 | 305.45 | 278.35 | — | 224.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 343.75 | 332.85 | 305.55 | 278.35 | 251.05 | 223.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 344.45 | 338.25 | 306.35 | 279.05 | 251.75 | 224.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 344.65 | 333.95 | 307.05 | 279.55 | 252.65 | 225.65 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 344.65 | 333.95 | 307.05 | 279.55 | 252.65 | 225.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 345.05 | 334.25 | 307.15 | 279.95 | 252.85 | 225.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 345.25 | 334.35 | 307.25 | 280.15 | 252.95 | 225.85 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 345.55 | 334.85 | 307.65 | 280.45 | 253.35 | 226.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 346.15 | 335.35 | 308.15 | 281.05 | — | 226.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 347.35 | 336.55 | 309.45 | 282.25 | 255.25 | 228.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 347.65 | 336.75 | 309.55 | 282.25 | 254.95 | 227.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 351.55 | 340.65 | 313.35 | 286.15 | 258.85 | 231.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 352.55 | 341.75 | 314.65 | 289.35 | 264.05 | 240.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 353.15 | 342.25 | 314.95 | 287.75 | 260.45 | 233.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 353.45 | 342.55 | 315.45 | 288.35 | 261.15 | 234.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 355.35 | 344.45 | 317.25 | 289.95 | 262.65 | 235.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 355.45 | 344.55 | 317.25 | 289.95 | 262.75 | 235.45 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 355.65 | 344.85 | 317.75 | 290.65 | 263.45 | 236.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 355.65 | 344.85 | 317.75 | 290.55 | 263.45 | 236.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 355.65 | 344.85 | 317.75 | 290.55 | 263.45 | 236.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 362.85 | 356.65 | 324.65 | 297.45 | 270.15 | 242.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 363.15 | 352.25 | 324.95 | 297.75 | 270.45 | 243.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 363.65 | 352.75 | 325.65 | 298.55 | 271.45 | 244.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 363.85 | 353.15 | 326.15 | 298.75 | 271.75 | 244.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 364.35 | 353.45 | 325.85 | 298.25 | 270.75 | 243.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 364.95 | 354.25 | 327.05 | 299.85 | — | 245.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 367.95 | 357.15 | 329.95 | 302.85 | 275.75 | 248.65 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 370.60 | 363.10 | 333.00 | 302.95 | 272.85 | 245.10 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 372.05 | 361.25 | 334.05 | 306.95 | 279.85 | 252.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 372.45 | 361.75 | 334.75 | 307.35 | 280.35 | 253.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 374.55 | 363.85 | 336.95 | 309.45 | 282.55 | 255.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 376.55 | 365.85 | 338.85 | 311.45 | 284.45 | 257.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 378.65 | 367.95 | 341.05 | 313.55 | 286.65 | 259.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 380.55 | 369.75 | 342.65 | 315.45 | 288.45 | 261.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 381.45 | 370.75 | 343.75 | 316.35 | 289.35 | 262.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 382.55 | 371.65 | 344.35 | 317.15 | 289.85 | 262.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 383.35 | 372.45 | 345.15 | 317.85 | 290.65 | 263.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 383.85 | 373.05 | 345.95 | 318.75 | — | 264.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 387.45 | 376.75 | 349.75 | 322.35 | 295.35 | 268.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 388.95 | 378.15 | 350.95 | 323.85 | 296.75 | 269.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 389.55 | 378.85 | 351.85 | 324.45 | 297.45 | 270.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 389.55 | 378.85 | 351.85 | 324.45 | 297.45 | 270.45 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 390.45 | 382.55 | 350.90 | 323.20 | 295.55 | 263.90 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 403.85 | 392.85 | 365.05 | 337.35 | 309.65 | 281.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 404.85 | 394.05 | 366.85 | 339.75 | 312.65 | 285.55 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 407.25 | 397.65 | 373.55 | 349.35 | 325.25 | 301.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 408.45 | 397.45 | 369.75 | 341.95 | 314.35 | 286.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 409.55 | 398.75 | 371.65 | 344.45 | 317.45 | 290.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 416.65 | 406.85 | 382.15 | 357.45 | 332.75 | 308.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 417.75 | 406.75 | 379.05 | 351.25 | 323.65 | 295.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 417.75 | 406.75 | 379.05 | 351.25 | 323.65 | 295.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 421.35 | 411.35 | 386.45 | 361.45 | 336.55 | 311.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 423.95 | 413.25 | 386.25 | 358.85 | 331.85 | 304.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 428.55 | 417.85 | 390.85 | 363.45 | 336.45 | 309.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 459.55 | 448.55 | 420.85 | 393.05 | 365.45 | 337.75 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 463.45 | 452.55 | 425.15 | 397.65 | 370.35 | 342.85 |

116 offers from 23 health insurers.: https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident.md

## With accident cover: from 185.55 to 493.45 CHF a month depending on the deductible and the model

116 offers from 23 health insurers. With a deductible of 300 CHF, the cheapest is **295.85 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 493.45 CHF with SLKK (Standard model).

Lowest premium:
- 300 CHF: 295.85 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/deductible-300/
- 500 CHF: 285.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/deductible-500/
- 1'000 CHF: 260.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 235.65 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 210.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 185.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 295.85 | 285.75 | 260.75 | 235.65 | 210.55 | 185.55 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 316.85 | 306.05 | 279.35 | 252.45 | 225.55 | 198.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 322.45 | 310.85 | 281.65 | 252.45 | 223.35 | 197.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 327.45 | 315.85 | 286.65 | 257.45 | 228.35 | 199.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 327.55 | 315.95 | 286.75 | 257.55 | 228.45 | 199.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 327.65 | 316.05 | 286.85 | 257.65 | 228.55 | 199.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 330.25 | 318.55 | 289.35 | 260.25 | 231.05 | 202.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 330.25 | 318.55 | 289.35 | 260.25 | 231.05 | 202.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 330.25 | 318.55 | 289.35 | 260.25 | 231.05 | 202.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 331.00 | 319.40 | 290.20 | 261.00 | 231.90 | 202.70 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 331.00 | 319.40 | 290.20 | 261.00 | 231.90 | 202.70 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 331.00 | 319.40 | 290.20 | 261.00 | 231.90 | 202.70 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 331.15 | 319.55 | 290.35 | 261.15 | 232.05 | 202.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 331.15 | 319.55 | 290.35 | 261.15 | 232.05 | 202.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 332.35 | 322.35 | 296.85 | 271.55 | 246.15 | 227.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 333.55 | 326.85 | 292.65 | 263.55 | 234.35 | 205.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 333.55 | 326.85 | 292.65 | 263.55 | 234.35 | 205.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 333.75 | 322.15 | 292.95 | 263.75 | 234.65 | 205.45 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 333.75 | 323.95 | 301.75 | 271.75 | 237.05 | 205.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 334.75 | 326.05 | 303.75 | 273.25 | 238.05 | 206.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 337.05 | 325.45 | 296.25 | 267.05 | 237.95 | 208.75 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 337.05 | 325.45 | 296.25 | 267.05 | 237.95 | 208.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 339.35 | 327.75 | 298.55 | 269.35 | 240.25 | 211.05 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 341.45 | 330.65 | 303.85 | 277.05 | 250.25 | 223.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 341.45 | 330.65 | 303.85 | 277.05 | 250.25 | 223.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 341.45 | 329.85 | 300.65 | 271.45 | 242.35 | 213.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 341.75 | 330.15 | 300.95 | 271.75 | 242.65 | 213.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 341.75 | 330.15 | 300.95 | 271.75 | 242.65 | 213.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 343.15 | 331.55 | 302.35 | 273.15 | 244.05 | 214.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 343.85 | 332.15 | 306.95 | 277.75 | 244.65 | 215.45 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 344.85 | 333.15 | 304.05 | 274.85 | 245.65 | 216.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 345.95 | 337.35 | 305.15 | 275.95 | 246.85 | 219.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 346.75 | 335.15 | 305.95 | 276.75 | 247.65 | 218.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 347.05 | 335.45 | 306.25 | 277.05 | 247.95 | 218.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 349.35 | 337.75 | 308.55 | 279.35 | 250.25 | 221.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 351.75 | 340.15 | 310.95 | 281.85 | 252.65 | 224.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 351.75 | 340.05 | 326.75 | 309.55 | 292.25 | 263.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 353.15 | 341.55 | 312.35 | 283.15 | 254.05 | 224.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 353.15 | 346.55 | 312.35 | 283.15 | 254.05 | 224.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 355.15 | 343.55 | 314.35 | 285.15 | — | 226.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 355.75 | 344.05 | 324.75 | 295.65 | 258.55 | 229.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 356.45 | 344.95 | 315.95 | 286.45 | 257.45 | 228.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 358.25 | 346.65 | 317.45 | 288.25 | 259.15 | 229.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 358.25 | 346.65 | 317.45 | 288.25 | 259.15 | 229.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 358.25 | 346.65 | 317.45 | 288.25 | 259.15 | 229.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 358.55 | 347.05 | 318.05 | 288.55 | 259.55 | 230.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 359.95 | 348.25 | 319.05 | 289.95 | 260.75 | 231.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 361.85 | 350.25 | 321.05 | 291.85 | 262.75 | 233.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 363.65 | 351.95 | 322.85 | 293.65 | 264.45 | 235.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 363.85 | 357.15 | 322.95 | 293.85 | 264.65 | 235.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 364.95 | 353.35 | 324.15 | 294.95 | 265.85 | 236.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 364.95 | 353.35 | 324.15 | 294.95 | 265.85 | 236.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 364.95 | 358.35 | 324.15 | 294.95 | 265.85 | 236.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 366.65 | 355.05 | 325.85 | 296.65 | 267.55 | 238.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 367.65 | 355.95 | 326.75 | 299.55 | 272.45 | 247.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 367.65 | 359.95 | 330.75 | 301.55 | 268.45 | 239.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 368.15 | 356.45 | 327.25 | 298.15 | 268.95 | 239.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 368.95 | 362.25 | 328.05 | 298.95 | 269.75 | 240.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 369.45 | 357.85 | 328.65 | 299.45 | 270.35 | 241.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 369.45 | 357.85 | 328.65 | 299.45 | 270.35 | 241.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 369.45 | 357.85 | 328.65 | 299.45 | 270.35 | 241.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 369.65 | 358.05 | 328.85 | 299.65 | — | 241.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 369.65 | 358.05 | 328.85 | 299.65 | — | 241.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 371.05 | 359.55 | 330.55 | 301.05 | 272.05 | 243.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 371.05 | 359.55 | 330.55 | 301.05 | 272.05 | 243.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 371.35 | 359.75 | 330.55 | 301.35 | 272.25 | 243.05 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 371.55 | 359.95 | 330.75 | 301.55 | 272.45 | 243.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 371.55 | 359.95 | 330.75 | 301.55 | 272.45 | 243.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 372.35 | 360.65 | 331.55 | 302.35 | 273.15 | 244.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 372.55 | 360.95 | 331.75 | 302.55 | — | 244.25 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 372.85 | 365.30 | 335.05 | 304.80 | 274.55 | 246.60 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 373.85 | 362.25 | 333.05 | 303.85 | 274.75 | 245.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 376.45 | 364.85 | 335.65 | 306.45 | 277.35 | 248.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 378.05 | 366.35 | 337.15 | 308.05 | 278.85 | 249.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 379.55 | 367.85 | 338.65 | 311.45 | 284.35 | 259.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 380.35 | 368.65 | 339.55 | 310.35 | 281.15 | 252.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 380.55 | 368.95 | 339.75 | 310.55 | 281.45 | 252.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 380.65 | 368.95 | 339.75 | 310.65 | 281.45 | 252.25 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 382.75 | 371.15 | 341.95 | 312.85 | 283.65 | 254.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 382.75 | 371.15 | 341.95 | 312.75 | 283.65 | 254.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 382.75 | 371.15 | 341.95 | 312.75 | 283.65 | 254.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 385.85 | 374.25 | 345.05 | 315.85 | 286.75 | 257.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 388.55 | 381.95 | 347.75 | 318.55 | 289.45 | 260.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 388.95 | 377.25 | 348.05 | 318.95 | 289.75 | 260.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 391.35 | 379.75 | 350.55 | 321.35 | 292.25 | 263.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 391.65 | 380.15 | 351.15 | 321.65 | 292.65 | 263.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 392.85 | 381.25 | 352.05 | 322.85 | — | 264.55 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 392.85 | 384.90 | 353.05 | 325.20 | 297.35 | 265.50 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 395.95 | 384.35 | 355.15 | 325.95 | 296.85 | 267.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 400.35 | 388.75 | 359.55 | 330.35 | 301.25 | 272.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 400.85 | 389.35 | 360.35 | 330.85 | 301.85 | 272.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 403.15 | 391.65 | 362.65 | 333.15 | 304.15 | 275.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 405.25 | 393.75 | 364.75 | 335.25 | 306.25 | 277.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 407.55 | 396.05 | 367.05 | 337.55 | 308.55 | 279.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 409.55 | 397.95 | 368.75 | 339.55 | 310.45 | 281.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 409.65 | 397.95 | 368.75 | 339.65 | 310.45 | 281.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 410.45 | 398.95 | 369.95 | 340.45 | 311.45 | 282.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 410.45 | 398.85 | 369.65 | 340.45 | 311.35 | 282.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 413.15 | 401.55 | 372.35 | 343.15 | — | 284.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 416.95 | 405.45 | 376.45 | 346.95 | 317.95 | 288.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 418.55 | 406.95 | 377.75 | 348.55 | 319.45 | 290.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 419.25 | 407.75 | 378.75 | 349.25 | 320.25 | 291.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 419.25 | 407.75 | 378.75 | 349.25 | 320.25 | 291.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 425.35 | 413.75 | 384.55 | 355.35 | 326.25 | 297.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 430.25 | 418.65 | 389.45 | 360.25 | 331.15 | 301.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 433.55 | 423.35 | 397.65 | 371.95 | 346.35 | 320.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 435.65 | 424.05 | 394.85 | 365.65 | 336.55 | 307.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 440.05 | 428.45 | 399.25 | 370.05 | 340.95 | 311.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 440.05 | 428.45 | 399.25 | 370.05 | 340.95 | 311.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 440.75 | 429.15 | 399.95 | 370.75 | 341.65 | 312.45 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 443.55 | 433.15 | 406.85 | 380.55 | 354.35 | 328.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 448.55 | 437.95 | 411.45 | 384.85 | 358.35 | 331.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 456.15 | 444.65 | 415.65 | 386.15 | 357.15 | 328.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 461.15 | 449.65 | 420.65 | 391.15 | 362.15 | 333.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 484.05 | 472.45 | 443.25 | 414.05 | 384.95 | 355.75 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 493.45 | 481.85 | 452.65 | 423.45 | 394.35 | 365.15 |

116 offers from 23 health insurers.: https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Herisau for a young adult aged 19 to 25?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/): Agrisano (AGRIsmart) at 280.85 CHF a month with a [deductible of 300 CHF](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-300/), and Agrisano (AGRIsmart) at 176.05 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/deductible-2500/). [With accident cover](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/): Agrisano (AGRIsmart) at 295.85 CHF, and Agrisano (AGRIsmart) at 185.55 CHF.

### How much does accident cover cost in basic insurance in Herisau?

For a young adult aged 19 to 25 with Agrisano (AGRIsmart), the premium rises from 280.85 CHF a month [without accident cover](https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/) to 295.85 CHF with accident cover, at the 300 CHF deductible: 15.00 CHF a month, 180.00 CHF a year. You only need this cover if you are not already fully insured for accidents under the [Accident Insurance Act (UVG/LAA)](https://www.fedlex.admin.ch/eli/cc/1982/1676_1676_1676/en). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.

### 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 286.00 CHF at Agrisano (AGRIsmart) gives 280.85 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.

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/herisau/young-adult/

## Related pages

- Without accident cover: from 176.05 to 463.45 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/no-accident/
- With accident cover: from 185.55 to 493.45 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/ar/herisau/young-adult/with-accident/

Address of this page: praemiencheck.onedoc.ch/en/ar/herisau/young-adult/ — replace `ar` with your canton’s two-letter code (ge, vd, zh…) and `herisau` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.