# Health insurance premiums 2027 in Schwellbrunn (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 [Schwellbrunn](https://praemiencheck.onedoc.ch/en/ar/schwellbrunn/) ([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/schwellbrunn/young-adult/) with a 500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/ar/schwellbrunn/young-adult/with-accident/), the cheapest monthly basic insurance premium is **301.45 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 503.65 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 | 311.55 | 301.45 | 276.25 | 251.05 | 225.75 | 200.65 | +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) | 331.65 | 320.05 | 290.85 | 261.65 | 232.55 | 204.85 | +1.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 331.65 | 320.95 | 294.15 | 267.25 | 240.45 | 213.65 | +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 | 339.95 | 328.30 | 299.15 | 269.95 | 240.80 | 211.65 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 339.95 | 328.30 | 299.15 | 269.95 | 240.80 | 211.65 | +3.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 343.05 | 331.45 | 302.25 | 273.05 | 243.95 | 214.75 | +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 | 343.55 | 331.90 | 302.75 | 273.55 | 244.40 | 215.25 | +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 | 343.55 | 331.90 | 302.75 | 273.55 | 244.40 | 215.25 | +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 | 343.55 | 331.90 | 302.75 | 273.55 | 244.40 | 215.25 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 343.55 | 331.90 | 302.75 | 273.55 | 244.40 | 215.25 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 343.55 | 331.90 | 302.75 | 273.55 | 244.40 | 215.25 | +3.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 343.95 | 332.35 | 303.15 | 273.95 | 244.85 | 215.65 | +4.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 343.95 | 332.35 | 303.15 | 273.95 | 244.85 | 215.65 | +4.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 343.95 | 332.35 | 303.15 | 273.95 | 244.85 | 215.65 | +4.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 346.35 | 334.75 | 305.55 | 276.35 | 247.25 | 218.05 | +2.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 348.35 | 336.75 | 307.55 | 278.35 | 249.25 | 220.05 | +3.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 348.35 | 338.55 | 316.35 | 286.35 | 251.65 | 220.25 | +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 | 349.45 | 338.75 | 311.85 | 285.15 | 258.25 | 231.55 | +2.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 349.45 | 338.75 | 311.85 | 285.15 | 258.25 | 231.55 | +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 | 349.45 | 340.75 | 318.45 | 287.95 | 252.85 | 221.15 | +4.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 352.95 | 341.35 | 312.15 | 282.95 | 253.85 | 224.65 | +0.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 354.30 | 342.65 | 313.50 | 284.30 | 255.15 | 226.00 | +3.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 353.05 | 342.95 | 317.55 | 292.25 | 266.85 | 235.75 | +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 | 355.05 | 343.45 | 314.25 | 285.05 | 255.95 | 226.75 | +6.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 355.25 | 343.55 | 318.45 | 289.25 | 256.05 | 226.85 | +3.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 355.95 | 344.35 | 315.15 | 285.95 | 256.85 | 227.65 | +4.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 355.95 | 344.35 | 315.15 | 285.95 | 256.85 | 227.65 | +4.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 356.35 | 344.75 | 315.55 | 286.35 | 257.25 | 228.05 | +2.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 359.25 | 347.55 | 336.65 | 325.65 | 300.55 | 271.35 | +2.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 360.95 | 349.25 | 320.15 | 290.95 | 261.75 | 232.65 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 361.05 | 349.45 | 320.25 | 291.05 | 261.95 | 232.75 | +6.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 361.15 | 352.55 | 320.45 | 291.15 | 262.05 | 234.35 | +4.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 365.05 | 353.45 | 324.25 | 295.05 | 265.95 | 236.75 | +6.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 360.15 | 353.45 | 319.35 | 290.15 | 260.95 | 231.85 | +7.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 360.15 | 353.45 | 319.35 | 290.15 | 260.95 | 231.85 | +7.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 367.15 | 355.55 | 326.35 | 297.15 | 268.05 | 238.85 | +5.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 367.35 | 355.65 | 332.55 | 303.45 | 268.15 | 239.05 | +3.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 370.15 | 358.55 | 329.35 | 300.15 | 271.05 | 241.85 | +4.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 370.35 | 358.75 | 329.55 | 300.35 | 271.25 | 242.05 | +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 | 370.55 | 358.95 | 329.75 | 300.55 | — | 242.25 | +4.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 373.55 | 361.95 | 332.75 | 303.65 | 274.45 | 245.35 | +6.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 375.05 | 363.45 | 334.25 | 305.05 | 275.95 | 246.75 | +4.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 373.35 | 365.80 | 335.55 | 305.30 | 275.05 | 247.05 | +0.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 377.55 | 365.95 | 336.75 | 307.55 | 278.45 | 249.25 | +2.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 379.35 | 367.65 | 338.45 | 309.35 | 280.15 | 250.95 | +4.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 375.45 | 367.85 | 342.65 | 313.55 | 292.45 | 263.25 | +3.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 375.45 | 367.85 | 338.65 | 309.45 | 276.25 | 247.15 | +2.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 379.55 | 367.85 | 338.75 | 309.55 | 280.35 | 251.25 | +5.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 380.15 | 368.55 | 339.35 | 310.15 | 281.05 | 251.85 | +4.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 380.15 | 368.55 | 339.35 | 310.15 | 281.05 | 251.85 | +4.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 380.25 | 368.65 | 339.45 | 310.25 | 281.15 | 251.95 | +2.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 381.95 | 370.25 | 341.05 | 311.95 | 282.75 | 253.55 | +0.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 383.45 | 371.85 | 342.65 | 313.45 | 284.35 | 255.15 | +5.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 385.15 | 373.55 | 344.35 | 315.15 | 286.05 | 256.85 | +7.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 385.15 | 373.55 | 344.35 | 315.15 | 286.05 | 256.85 | +7.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 385.85 | 374.15 | 344.95 | 315.85 | 286.65 | 257.45 | +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 | 386.05 | 374.45 | 345.25 | 316.05 | — | 257.75 | +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) | 386.05 | 374.45 | 345.25 | 316.05 | — | 257.75 | +4.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 381.35 | 374.65 | 340.55 | 311.35 | 282.15 | 253.05 | +7.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 389.15 | 377.55 | 348.35 | 319.15 | — | 260.85 | +4.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 389.45 | 377.85 | 348.65 | 319.45 | 290.35 | 261.15 | 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 | 391.25 | 379.65 | 350.45 | 321.25 | 292.15 | 262.95 | +5.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 387.55 | 379.95 | 354.85 | 325.65 | 300.55 | 271.35 | +3.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 387.55 | 379.95 | 354.85 | 325.65 | 300.55 | 271.35 | +5.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 392.65 | 380.95 | 351.85 | 322.65 | 293.45 | 264.35 | +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) | 392.75 | 381.25 | 352.25 | 322.75 | 293.75 | 264.75 | +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) | 394.95 | 383.45 | 354.45 | 324.95 | 295.95 | 266.95 | +10.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 395.05 | 383.45 | 354.25 | 325.05 | 295.95 | 266.75 | +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 | 395.75 | 384.15 | 354.95 | 325.75 | 296.65 | 267.45 | +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 | 395.75 | 384.15 | 354.95 | 325.75 | 296.65 | 267.45 | +7.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 396.05 | 384.45 | 355.25 | 326.05 | 296.95 | 267.75 | +4.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 396.45 | 384.85 | 355.65 | 326.45 | 297.35 | 268.15 | +2.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 393.25 | 385.30 | 353.45 | 325.60 | 297.75 | 265.90 | 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 | 397.05 | 385.35 | 356.15 | 327.05 | 297.85 | 268.65 | +5.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 392.75 | 386.15 | 351.95 | 322.75 | 293.65 | 264.45 | +7.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 398.85 | 387.15 | 358.05 | 328.85 | 299.65 | 270.55 | +4.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 394.05 | 387.45 | 353.25 | 324.05 | 294.95 | 265.75 | +7.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 399.65 | 388.05 | 358.85 | 329.65 | 300.55 | 271.35 | +2.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 401.35 | 389.75 | 360.55 | 331.35 | 302.25 | 273.05 | +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 | 401.45 | 389.85 | 360.65 | 331.45 | — | 273.15 | +2.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 398.35 | 391.65 | 357.45 | 328.35 | 299.15 | 269.95 | +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 | 404.85 | 393.25 | 364.05 | 334.85 | 305.75 | 276.55 | +5.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 406.45 | 394.85 | 365.65 | 336.55 | 307.35 | 278.15 | +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) | 408.75 | 397.25 | 368.25 | 338.75 | 309.75 | 280.75 | +10.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 408.75 | 397.25 | 368.25 | 338.75 | 309.75 | 280.75 | +10.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 410.05 | 398.45 | 369.25 | 340.05 | 310.95 | 281.75 | +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 | 413.95 | 402.35 | 373.15 | 343.95 | 314.85 | 285.65 | +4.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 413.95 | 402.35 | 373.15 | 343.95 | 314.85 | 285.65 | +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) | 424.25 | 412.75 | 383.75 | 354.25 | 325.25 | 296.25 | +4.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 419.55 | 412.85 | 378.65 | 349.55 | 320.35 | 291.15 | +7.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 426.55 | 414.95 | 385.75 | 356.55 | 327.45 | 298.25 | +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) | 426.65 | 415.15 | 386.15 | 356.65 | 327.65 | 298.65 | +4.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 429.95 | 418.35 | 389.15 | 359.95 | 330.85 | 301.65 | +1.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 430.15 | 418.45 | 389.35 | 360.15 | 330.95 | 301.85 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 431.95 | 420.25 | 391.05 | 361.95 | 332.75 | 303.55 | +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) | 431.95 | 420.45 | 391.45 | 361.95 | 332.95 | 303.95 | +10.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 432.35 | 420.75 | 391.55 | 362.35 | — | 304.05 | +4.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 434.95 | 423.35 | 394.15 | 364.95 | 335.85 | 306.65 | +1.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 435.85 | 424.25 | 395.05 | 365.85 | 336.75 | 307.55 | +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) | 438.85 | 427.35 | 398.35 | 368.85 | 339.85 | 310.85 | +4.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 438.85 | 427.35 | 398.35 | 368.85 | 339.85 | 310.85 | +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) | 442.05 | 430.55 | 401.55 | 372.05 | 343.05 | 314.05 | +10.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 444.75 | 433.15 | 403.95 | 374.75 | 345.65 | 316.45 | +1.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 444.75 | 433.15 | 403.95 | 374.75 | 345.65 | 316.45 | +1.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 444.65 | 433.15 | 404.15 | 374.65 | 345.65 | 316.65 | +10.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 450.45 | 438.85 | 409.65 | 380.45 | 351.35 | 322.15 | +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 * | 452.05 | 440.55 | 411.55 | 382.05 | 353.05 | 324.05 | +10.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 452.85 | 442.65 | 416.95 | 391.25 | 365.65 | 339.95 | +4.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 458.95 | 447.35 | 418.15 | 388.95 | 359.85 | 330.65 | +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) | 459.85 | 448.35 | 419.35 | 389.85 | 360.85 | 331.85 | +10.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 463.25 | 452.75 | 426.45 | 400.25 | 374.05 | 347.75 | +4.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 468.45 | 457.85 | 431.25 | 404.75 | 378.25 | 351.65 | +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 * | 482.65 | 471.15 | 442.15 | 412.65 | 383.65 | 354.65 | +4.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 489.25 | 477.65 | 448.45 | 419.25 | 390.15 | 360.95 | +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 * | 502.95 | 491.45 | 462.45 | 432.95 | 403.95 | 374.95 | +10.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 515.25 | 503.65 | 474.45 | 445.25 | 416.15 | 386.95 | +4.4 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Schwellbrunn 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/schwellbrunn/young-adult/with-accident/), the cheapest offer in [Schwellbrunn](https://praemiencheck.onedoc.ch/en/ar/schwellbrunn/) is Agrisano (AGRIsmart) at 301.45 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 342.65 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ar/schwellbrunn/young-adult/) with a deductible of 500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/ar/schwellbrunn/young-adult/with-accident/), monthly premiums run from 301.45 CHF (Agrisano, AGRIsmart) to 503.65 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: 284.25 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 311.55 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/schwellbrunn/young-adult/with-accident/deductible-300/) to 200.65 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/schwellbrunn/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 Schwellbrunn 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 342.65 CHF (Sanitas), family doctor / HMO 320.05 CHF (CSS), flexible model 331.90 CHF (Sanitas), telemedicine 301.45 CHF (Agrisano).

### 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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 306.20 CHF at Agrisano (AGRIsmart) gives 301.45 CHF after redistribution.

### 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: Schwellbrunn 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/schwellbrunn/young-adult/with-accident/deductible-300/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/ar/schwellbrunn/young-adult/with-accident/deductible-300/ — replace `ar` with your canton’s two-letter code (ge, vd, zh…), `schwellbrunn` 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`.