# Health insurance premiums 2026 in Stein (AR), for a young adult aged 19 to 25 with accident cover

In 2026, for a young adult aged 19 to 25 in Stein, with accident cover, the cheapest health insurance premium is:

- **295.85 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/stein/young-adult/with-accident/deductible-300/) (Agrisano, AGRIsmart)
- **185.55 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/stein/young-adult/with-accident/deductible-2500/) (Agrisano, AGRIsmart)

## 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/stein/young-adult/with-accident/deductible-300/
- 500 CHF: 285.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/stein/young-adult/with-accident/deductible-500/
- 1'000 CHF: 260.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/stein/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 235.65 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/stein/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 210.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/stein/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 185.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/stein/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/stein/young-adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/ar/stein/young-adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/ar/stein/young-adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Stein for a young adult aged 19 to 25 with a deductible of 300 CHF, with accident cover?

In 2026, with accident cover, the cheapest offer in [Stein](https://praemiencheck.onedoc.ch/en/ar/stein/) is Agrisano (AGRIsmart) at 295.85 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 341.45 CHF a month.

### How much does health insurance cost in Stein in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ar/stein/young-adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 295.85 CHF (Agrisano, AGRIsmart) to 493.45 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: 277.45 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 295.85 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/stein/young-adult/with-accident/deductible-300/) to 185.55 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/stein/young-adult/with-accident/deductible-2500/): 110.30 CHF less a month, 1'323.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'771 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Stein 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 300 CHF and with accident cover, the cheapest premium per model is: standard model 341.45 CHF (Sanitas), family doctor / HMO 316.85 CHF (Agrisano), flexible model 330.25 CHF (Sympany), telemedicine 295.85 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 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 301.00 CHF at Agrisano (AGRIsmart) gives 295.85 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/stein/young-adult/with-accident/

## Related pages

- 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/stein/young-adult/with-accident/

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