# Health insurance premiums 2027 in Speicher (AR), for an adult aged 26 or over who wants a deductible of 2'000 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · adult (26 and over) · with accident cover · monthly premiums in CHF_

In [Speicher](https://praemiencheck.onedoc.ch/en/ar/speicher/) ([canton Appenzell Ausserrhoden](https://praemiencheck.onedoc.ch/en/ar/)), in 2027, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/ar/speicher/adult/) with a 2'000 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/ar/speicher/adult/with-accident/), the cheapest monthly basic insurance premium is **347.60 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 573.30 CHF with Groupe Mutuel – Philos (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (2'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 433.40 | 423.20 | 398.10 | 372.80 | 347.60 | 322.40 | +6.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 458.20 | 446.60 | 417.40 | 388.20 | 359.10 | 329.90 | +3.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 463.80 | 452.20 | 423.00 | 393.80 | 364.70 | 335.50 | +8.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 464.85 | 453.20 | 424.05 | 394.85 | 365.70 | 336.55 | +4.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 460.90 | 450.20 | 423.40 | 396.50 | 369.70 | 342.90 | +5.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 469.20 | 457.50 | 433.70 | 404.50 | 370.00 | 340.80 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 469.20 | 457.50 | 433.70 | 404.50 | 370.00 | 340.80 | New tariff 2027 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 474.40 | 462.80 | 433.60 | 404.40 | 375.30 | 346.10 | +5.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 477.10 | 465.50 | 436.30 | 407.10 | 378.00 | 348.80 | +5.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 477.20 | 465.60 | 441.80 | 412.60 | 378.10 | 348.90 | New tariff 2027 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 477.70 | 466.00 | 436.80 | 407.70 | 378.50 | 349.30 | +5.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 477.70 | 466.00 | 436.80 | 407.70 | 378.50 | 349.30 | +5.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 477.70 | 466.00 | 436.80 | 407.70 | 378.50 | 349.30 | +5.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 477.90 | 466.30 | 437.10 | 407.90 | 378.80 | 349.60 | +2.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 479.70 | 468.10 | 438.90 | 409.70 | 380.60 | 351.40 | +7.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 480.85 | 469.20 | 440.05 | 410.85 | 381.70 | 352.55 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 481.10 | 469.50 | 440.30 | 411.10 | 382.00 | 352.80 | +5.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 481.10 | 469.50 | 440.30 | 411.10 | 382.00 | 352.80 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 486.20 | 474.55 | 445.40 | 416.20 | 387.05 | 357.90 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 487.70 | 476.10 | 446.90 | 417.70 | 388.60 | 359.40 | New tariff 2027 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 487.90 | 476.30 | 447.10 | 417.90 | 388.80 | 359.60 | +5.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 479.90 | 468.30 | 444.50 | 415.30 | 391.60 | 362.40 | New tariff 2027 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 491.55 | 479.90 | 450.75 | 421.55 | 392.40 | 363.25 | +4.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 492.70 | 481.10 | 451.90 | 422.70 | 393.60 | 364.40 | New tariff 2027 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 493.10 | 481.50 | 452.30 | 423.10 | 394.00 | 364.80 | +7.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 494.10 | 482.50 | 453.30 | 424.10 | 395.00 | 365.80 | +5.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 494.10 | 482.50 | 453.30 | 424.10 | 395.00 | 365.80 | +5.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 494.70 | 483.10 | 453.90 | 424.70 | 395.60 | 366.40 | +5.2 % |
| [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 | 495.00 | 483.40 | 454.20 | 425.00 | 395.90 | 366.70 | +7.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 496.00 | 484.40 | 455.20 | 426.00 | 396.90 | 367.70 | +6.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 483.40 | 473.30 | 447.90 | 422.60 | 397.20 | 363.30 | +7.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 496.90 | 485.25 | 456.10 | 426.90 | 397.75 | 368.60 | +4.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 496.90 | 485.25 | 456.10 | 426.90 | 397.75 | 368.60 | +4.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 496.90 | 485.25 | 456.10 | 426.90 | 397.75 | 368.60 | New tariff 2027 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 483.70 | 472.10 | 442.90 | 426.70 | 398.70 | 372.70 | +5.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 491.60 | 480.80 | 454.00 | 427.20 | 400.40 | 373.60 | +5.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 491.60 | 480.80 | 454.00 | 427.20 | 400.40 | 373.60 | +5.2 % |
| [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 | 500.70 | 489.10 | 459.90 | 430.70 | 401.60 | 372.40 | +7.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 500.70 | 489.10 | 459.90 | 430.70 | 401.60 | 372.40 | +8.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 501.00 | 489.30 | 460.20 | 431.00 | 401.80 | 372.70 | +5.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 501.80 | 490.20 | 461.00 | 431.80 | 402.70 | 373.50 | +0.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 506.30 | 494.70 | 465.50 | 436.30 | 407.20 | 378.00 | +5.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 496.10 | 489.80 | 466.10 | 436.90 | 407.70 | 378.60 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 496.10 | 489.80 | 466.10 | 436.90 | 407.70 | 378.60 | New tariff 2027 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 498.00 | 486.40 | 457.20 | 438.00 | 408.00 | 382.00 | +5.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 507.50 | 495.90 | 466.70 | 437.50 | 408.40 | 379.20 | +6.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 511.10 | 499.40 | 470.20 | 441.10 | 411.90 | 382.70 | +5.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 511.20 | 499.60 | 470.40 | 441.30 | 412.10 | 382.90 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 511.60 | 499.90 | 470.70 | 441.60 | 412.40 | 383.20 | +6.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 511.70 | 500.00 | 470.80 | 441.70 | 412.50 | 383.30 | +5.8 % |
| [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 | 512.10 | 500.50 | 471.30 | 442.10 | 413.00 | 383.80 | +7.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 517.80 | 507.45 | 481.55 | 450.50 | 419.40 | 393.55 | +7.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 521.10 | 514.50 | 480.30 | 451.10 | 422.00 | 392.80 | +13.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 521.10 | 514.50 | 480.30 | 451.10 | 422.00 | 392.80 | +9.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 521.10 | 514.50 | 480.30 | 451.10 | 422.00 | 392.80 | +9.8 % |
| [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 | 523.40 | 511.80 | 482.60 | 453.40 | 424.30 | 395.10 | +5.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 523.40 | 511.80 | 482.60 | 453.40 | 424.30 | 395.10 | +4.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 523.80 | 512.20 | 483.00 | 453.80 | 424.70 | 395.50 | +5.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 524.80 | 513.20 | 484.00 | 454.80 | 425.70 | 396.50 | +6.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 526.70 | 515.10 | 485.90 | 456.70 | 427.60 | 398.40 | +5.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 530.60 | 518.90 | 489.80 | 460.60 | 431.40 | 402.30 | +6.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 530.70 | 519.10 | 489.90 | 460.70 | 431.60 | 402.40 | +5.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 469.20 | 464.20 | 453.90 | 443.60 | 433.30 | 410.90 | New tariff 2027 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 532.60 | 521.00 | 491.80 | 462.60 | 433.50 | 404.40 | +5.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 533.00 | 521.40 | 492.20 | 463.00 | 433.90 | 404.70 | +7.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 534.30 | 522.65 | 493.50 | 464.30 | 435.15 | 406.00 | +4.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 534.30 | 522.70 | 493.50 | 464.30 | 435.20 | 406.00 | +5.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 537.90 | 526.20 | 497.00 | 467.90 | 438.70 | 409.50 | +5.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 539.10 | 527.50 | 498.30 | 469.10 | 440.00 | 410.80 | +5.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 539.20 | 527.60 | 498.40 | 469.20 | 440.10 | 410.90 | +2.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 539.30 | 532.60 | 498.50 | 469.30 | 440.10 | 411.00 | +9.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 539.30 | 532.60 | 498.50 | 469.30 | 440.10 | 411.00 | +9.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 540.70 | 529.10 | 499.90 | 470.70 | 441.60 | 412.40 | +0.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 542.10 | 530.50 | 501.30 | 472.10 | 443.00 | 413.80 | +4.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 545.00 | 534.10 | 506.85 | 479.60 | 446.90 | 419.65 | +6.9 % |
| [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) | 547.70 | 536.20 | 507.20 | 477.70 | 448.70 | 419.70 | +12.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 547.90 | 536.20 | 507.10 | 477.90 | 448.70 | 419.60 | +6.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 549.00 | 537.40 | 508.20 | 479.00 | 449.90 | 420.70 | +4.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 550.70 | 539.10 | 509.90 | 480.70 | 451.60 | 422.40 | +4.9 % |
| [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) | 554.00 | 542.50 | 513.50 | 484.00 | 455.00 | 426.00 | +12.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 555.60 | 544.00 | 514.80 | 485.70 | 456.50 | 427.30 | +7.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 550.80 | 539.80 | 512.30 | 484.30 | 456.70 | 429.20 | +12.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 560.20 | 548.70 | 519.70 | 490.20 | 461.20 | 432.20 | +12.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 569.00 | 557.40 | 528.20 | 499.00 | 469.90 | 440.70 | +4.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 558.00 | 547.80 | 522.10 | 496.40 | 470.80 | 445.10 | +5.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 575.60 | 569.00 | 534.80 | 505.60 | 476.50 | 447.30 | +9.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 576.70 | 565.00 | 535.90 | 506.70 | 477.50 | 448.40 | +6.4 % |
| [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) | 578.20 | 566.70 | 537.70 | 508.20 | 479.20 | 450.20 | +12.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 578.20 | 566.70 | 537.70 | 508.20 | 479.20 | 450.20 | +12.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 579.60 | 568.00 | 538.80 | 509.60 | 480.50 | 451.30 | +4.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 579.70 | 568.10 | 538.90 | 509.70 | 480.60 | 451.40 | +1.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 570.70 | 560.30 | 534.00 | 507.70 | 481.50 | 455.20 | +5.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 582.00 | 570.40 | 541.20 | 512.00 | 482.90 | 453.70 | +5.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 578.20 | 567.20 | 539.70 | 511.70 | 484.10 | 456.60 | +12.2 % |
| [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) | 583.70 | 572.20 | 543.20 | 513.70 | 484.70 | 455.70 | +5.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 577.00 | 566.50 | 539.90 | 513.30 | 486.90 | 460.30 | +5.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 586.20 | 574.60 | 545.40 | 516.20 | 487.10 | 457.90 | +1.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 585.30 | 574.30 | 546.80 | 518.80 | 491.20 | 463.70 | +5.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 593.60 | 582.10 | 553.10 | 523.60 | 494.60 | 465.60 | +5.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 595.60 | 583.90 | 554.80 | 525.60 | 496.40 | 467.30 | +5.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 599.40 | 587.80 | 558.60 | 529.40 | 500.30 | 471.10 | +1.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 599.40 | 587.80 | 558.60 | 529.40 | 500.30 | 471.10 | +1.2 % |
| [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) | 601.80 | 590.30 | 561.30 | 531.80 | 502.80 | 473.80 | +12.3 % |
| [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) | 603.60 | 592.10 | 563.10 | 533.60 | 504.60 | 475.60 | +5.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 605.90 | 599.20 | 565.10 | 535.90 | 506.70 | 477.60 | +9.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 625.90 | 614.40 | 585.40 | 555.90 | 526.90 | 497.90 | +12.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 634.10 | 622.50 | 593.30 | 564.10 | 535.00 | 505.80 | +5.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 658.70 | 647.10 | 617.90 | 588.70 | 559.60 | 530.40 | +1.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 663.20 | 651.70 | 622.70 | 593.20 | 564.20 | 535.20 | +5.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 672.30 | 660.80 | 631.80 | 602.30 | 573.30 | 544.30 | +12.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 462.80 | 451.20 | 422.00 | 392.80 | — | 334.50 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 483.70 | 472.10 | 442.90 | 413.70 | — | 355.40 | — |
| [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) | 483.70 | 472.10 | 442.90 | 413.70 | — | 355.40 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 487.90 | 476.30 | 447.10 | 417.90 | — | 359.60 | — |
| [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 | 504.60 | 493.00 | 463.80 | 434.60 | — | 376.30 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 546.40 | 534.80 | 505.60 | 476.40 | — | 418.10 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Speicher for an adult aged 26 or over with a deductible of 2'000 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/ar/speicher/adult/with-accident/), the cheapest offer in [Speicher](https://praemiencheck.onedoc.ch/en/ar/speicher/) is Agrisano (AGRIsmart) at 347.60 CHF a month.

### How much does health insurance cost in Speicher in 2027 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/ar/speicher/adult/) with a deductible of 2'000 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/ar/speicher/adult/with-accident/), monthly premiums run from 347.60 CHF (Agrisano, AGRIsmart) to 573.30 CHF (Groupe Mutuel – Philos, 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: 422.30 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Speicher for an adult aged 26 or over with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 433.40 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/speicher/adult/with-accident/deductible-300/) to 322.40 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/speicher/adult/with-accident/deductible-2500/): 111.00 CHF less a month, 1'332.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'780 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Speicher for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 2'000 CHF and with accident cover, the cheapest premium per model is: standard model 401.80 CHF (Agrisano), family doctor / HMO 364.70 CHF (ÖKK), flexible model 370.00 CHF (SWICA), telemedicine 347.60 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: Speicher 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/speicher/adult/with-accident/deductible-300/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/ar/speicher/adult/with-accident/deductible-300/ — replace `ar` with your canton’s two-letter code (ge, vd, zh…), `speicher` with your municipality, `adult` with `child` or `young-adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-2000` with `deductible-2500` for another deductible. Markdown version: add `.md`.