# Health insurance premiums 2026 in Wald (AR), for a young adult aged 19 to 25 who wants a deductible of 1'000 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · without accident cover · monthly premiums in CHF_

In [Wald](https://praemiencheck.onedoc.ch/en/ar/wald/) ([canton Appenzell Ausserrhoden](https://praemiencheck.onedoc.ch/en/ar/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/) with a 1'000 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/), the cheapest monthly basic insurance premium is **247.45 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 425.15 CHF with SLKK (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (1'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 280.85 | 271.25 | 247.45 | 223.65 | 199.75 | 176.05 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 299.55 | 288.75 | 261.65 | 234.45 | 207.45 | 183.25 | +9.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 300.75 | 290.45 | 265.15 | 239.55 | 214.05 | 188.65 | +3.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 304.15 | 293.35 | 266.25 | 239.05 | 212.05 | 184.85 | −1.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 304.60 | 293.80 | 266.60 | 239.40 | 212.35 | 185.15 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 304.75 | 293.95 | 266.75 | 239.55 | 212.45 | 185.25 | New tariff 2026 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 306.85 | 295.95 | 268.75 | 241.75 | 214.55 | 187.65 | −0.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 306.85 | 295.95 | 268.75 | 241.75 | 214.55 | 187.65 | −1.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 306.85 | 295.95 | 268.75 | 241.75 | 214.55 | 187.65 | −0.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 307.80 | 297.00 | 269.80 | 242.65 | 215.55 | 188.35 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 307.80 | 297.00 | 269.80 | 242.65 | 215.55 | 188.35 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 307.80 | 297.00 | 269.80 | 242.65 | 215.55 | 188.35 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 307.95 | 297.15 | 270.05 | 242.85 | 215.75 | 188.55 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 307.95 | 297.15 | 270.05 | 242.85 | 215.75 | 188.55 | New tariff 2026 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 310.05 | 299.25 | 272.15 | 244.95 | 217.95 | 190.75 | +9.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 311.35 | 305.15 | 273.25 | 245.95 | 218.75 | 191.95 | +4.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 311.35 | 305.15 | 273.25 | 245.95 | 218.75 | 191.95 | +4.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 308.75 | 299.45 | 275.85 | 252.25 | 228.55 | 210.85 | +3.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 315.25 | 304.45 | 277.35 | 250.15 | 223.15 | 195.95 | +9.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 317.55 | 306.75 | 279.55 | 252.45 | 225.35 | 198.15 | −1.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 317.55 | 306.75 | 279.55 | 252.45 | 225.35 | 198.15 | −1.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 317.55 | 306.75 | 279.55 | 252.45 | 225.35 | 198.15 | +3.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 318.25 | 307.35 | 279.75 | 252.15 | 224.65 | 197.05 | +10.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 318.25 | 307.35 | 279.75 | 252.15 | 224.65 | 197.05 | +10.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 310.15 | 301.15 | 280.45 | 252.55 | 220.25 | 191.05 | +6.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 318.85 | 308.05 | 280.85 | 253.75 | 226.65 | 199.45 | +9.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 311.15 | 303.05 | 282.35 | 253.95 | 221.15 | 191.75 | +6.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 317.55 | 307.55 | 282.55 | 257.65 | 232.65 | 207.75 | +3.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 317.55 | 307.55 | 282.55 | 257.65 | 232.65 | 207.75 | +3.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 321.55 | 313.55 | 283.65 | 256.45 | 229.35 | 203.65 | +7.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 322.35 | 311.55 | 284.45 | 257.25 | 230.25 | 203.05 | −1.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 319.35 | 308.55 | 285.15 | 257.95 | 227.15 | 200.05 | −1.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 326.35 | 315.55 | 288.25 | 260.95 | 233.65 | 206.35 | +7.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 327.35 | 316.25 | 288.55 | 260.85 | 233.15 | 205.45 | +3.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 326.85 | 316.05 | 288.85 | 261.85 | 234.65 | 208.75 | +4.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 327.45 | 316.45 | 288.85 | 261.25 | 233.75 | 206.25 | +9.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 329.75 | 318.85 | 291.55 | 264.35 | 237.05 | 209.85 | −8.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 329.75 | 323.55 | 291.65 | 264.35 | 237.05 | 209.85 | +4.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 329.95 | 319.15 | 291.95 | 264.85 | — | 210.65 | +7.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 331.15 | 320.45 | 293.45 | 266.05 | 239.05 | 212.15 | +6.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 332.75 | 321.95 | 294.85 | 267.65 | 240.65 | 213.45 | +3.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 332.75 | 321.95 | 294.85 | 267.65 | 240.65 | 213.45 | +7.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 332.75 | 321.95 | 294.85 | 267.65 | 240.65 | 213.45 | −9.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 333.05 | 322.35 | 295.45 | 267.95 | 241.05 | 214.05 | +6.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 336.05 | 325.15 | 297.85 | 270.65 | 243.35 | 216.15 | +4.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 337.95 | 327.05 | 299.75 | 272.45 | 245.25 | 217.95 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 339.05 | 328.35 | 301.15 | 273.95 | 246.95 | 219.75 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 339.05 | 328.35 | 301.15 | 273.95 | 246.95 | 219.75 | +2.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 339.55 | 328.65 | 301.35 | 274.15 | 246.85 | 219.55 | +4.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 339.65 | 333.45 | 301.55 | 274.25 | 247.05 | 219.75 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 330.45 | 319.65 | 301.75 | 274.55 | 240.05 | 212.95 | +3.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 340.75 | 334.55 | 302.65 | 275.35 | 248.15 | 220.85 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 326.75 | 315.95 | 303.55 | 287.45 | 271.45 | 244.25 | +3.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 341.55 | 330.65 | 303.55 | 278.25 | 252.95 | 229.55 | +4.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 342.55 | 331.65 | 304.35 | 277.05 | 249.85 | 222.55 | +7.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 343.25 | 332.45 | 305.35 | 278.15 | 251.15 | 223.95 | +8.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 343.25 | 332.45 | 305.35 | 278.15 | 251.15 | 223.95 | +8.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 343.25 | 332.45 | 305.35 | 278.15 | 251.15 | 223.95 | +9.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 343.45 | 332.65 | 305.45 | 278.35 | — | 224.05 | +10.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 343.45 | 332.65 | 305.45 | 278.35 | — | 224.05 | +8.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 343.75 | 332.85 | 305.55 | 278.35 | 251.05 | 223.75 | −3.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 344.45 | 338.25 | 306.35 | 279.05 | 251.75 | 224.55 | +4.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 344.65 | 333.95 | 307.05 | 279.55 | 252.65 | 225.65 | +6.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 344.65 | 333.95 | 307.05 | 279.55 | 252.65 | 225.65 | +6.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 345.05 | 334.25 | 307.15 | 279.95 | 252.85 | 225.75 | +9.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 341.55 | 334.35 | 307.25 | 280.15 | 249.25 | 222.15 | +3.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 345.25 | 334.35 | 307.25 | 280.15 | 252.95 | 225.85 | +2.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 345.55 | 334.85 | 307.65 | 280.45 | 253.35 | 226.15 | +3.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 346.15 | 335.35 | 308.15 | 281.05 | — | 226.75 | +7.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 347.35 | 336.55 | 309.45 | 282.25 | 255.25 | 228.05 | +8.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 347.65 | 336.75 | 309.55 | 282.25 | 254.95 | 227.75 | +4.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 351.55 | 340.65 | 313.35 | 286.15 | 258.85 | 231.65 | +4.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 352.55 | 341.75 | 314.65 | 289.35 | 264.05 | 240.65 | +4.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 353.15 | 342.25 | 314.95 | 287.75 | 260.45 | 233.15 | +7.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 353.45 | 342.55 | 315.45 | 288.35 | 261.15 | 234.05 | −1.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 355.35 | 344.45 | 317.25 | 289.95 | 262.65 | 235.45 | New tariff 2026 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 355.45 | 344.55 | 317.25 | 289.95 | 262.75 | 235.45 | +4.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 355.65 | 344.85 | 317.75 | 290.65 | 263.45 | 236.35 | +3.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 355.65 | 344.85 | 317.75 | 290.55 | 263.45 | 236.35 | +8.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 355.65 | 344.85 | 317.75 | 290.55 | 263.45 | 236.35 | New tariff 2026 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 362.85 | 356.65 | 324.65 | 297.45 | 270.15 | 242.95 | +3.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 363.15 | 352.25 | 324.95 | 297.75 | 270.45 | 243.25 | +4.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 363.65 | 352.75 | 325.65 | 298.55 | 271.45 | 244.25 | +3.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 364.35 | 353.45 | 325.85 | 298.25 | 270.75 | 243.15 | +8.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 363.85 | 353.15 | 326.15 | 298.75 | 271.75 | 244.85 | +8.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 364.95 | 354.25 | 327.05 | 299.85 | — | 245.65 | +8.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 367.95 | 357.15 | 329.95 | 302.85 | 275.75 | 248.65 | +9.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 370.60 | 363.10 | 333.00 | 302.95 | 272.85 | 245.10 | +6.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 372.05 | 361.25 | 334.05 | 306.95 | 279.85 | 252.65 | +9.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 372.45 | 361.75 | 334.75 | 307.35 | 280.35 | 253.35 | +8.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 374.55 | 363.85 | 336.95 | 309.45 | 282.55 | 255.55 | +7.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 376.55 | 365.85 | 338.85 | 311.45 | 284.45 | 257.45 | +4.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 378.65 | 367.95 | 341.05 | 313.55 | 286.65 | 259.65 | +4.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 380.55 | 369.75 | 342.65 | 315.45 | 288.45 | 261.25 | +2.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 381.45 | 370.75 | 343.75 | 316.35 | 289.35 | 262.35 | +6.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 382.55 | 371.65 | 344.35 | 317.15 | 289.85 | 262.55 | +4.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 383.35 | 372.45 | 345.15 | 317.85 | 290.65 | 263.35 | −8.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 383.85 | 373.05 | 345.95 | 318.75 | — | 264.55 | +8.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 387.45 | 376.75 | 349.75 | 322.35 | 295.35 | 268.45 | +7.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 390.45 | 382.55 | 350.90 | 323.20 | 295.55 | 263.90 | +5.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 388.95 | 378.15 | 350.95 | 323.85 | 296.75 | 269.65 | +2.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 389.55 | 378.85 | 351.85 | 324.45 | 297.45 | 270.45 | +4.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 389.55 | 378.85 | 351.85 | 324.45 | 297.45 | 270.45 | +4.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 403.85 | 392.85 | 365.05 | 337.35 | 309.65 | 281.95 | +5.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 404.85 | 394.05 | 366.85 | 339.75 | 312.65 | 285.55 | +9.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 408.45 | 397.45 | 369.75 | 341.95 | 314.35 | 286.55 | +5.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 409.55 | 398.75 | 371.65 | 344.45 | 317.45 | 290.25 | +2.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 407.25 | 397.65 | 373.55 | 349.35 | 325.25 | 301.15 | +11.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 417.75 | 406.75 | 379.05 | 351.25 | 323.65 | 295.95 | +5.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 417.75 | 406.75 | 379.05 | 351.25 | 323.65 | 295.95 | +5.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 416.65 | 406.85 | 382.15 | 357.45 | 332.75 | 308.05 | +11.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 423.95 | 413.25 | 386.25 | 358.85 | 331.85 | 304.85 | +7.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 421.35 | 411.35 | 386.45 | 361.45 | 336.55 | 311.55 | +11.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 428.55 | 417.85 | 390.85 | 363.45 | 336.45 | 309.55 | +4.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 459.55 | 448.55 | 420.85 | 393.05 | 365.45 | 337.75 | +5.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 463.45 | 452.55 | 425.15 | 397.65 | 370.35 | 342.85 | +11.5 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Wald for a young adult aged 19 to 25 with a deductible of 1'000 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/), the cheapest offer in [Wald](https://praemiencheck.onedoc.ch/en/ar/wald/) is Agrisano (AGRIsmart) at 247.45 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 279.55 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/) with a deductible of 1'000 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/), monthly premiums run from 247.45 CHF (Agrisano, AGRIsmart) to 425.15 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 Wald for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 280.85 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/deductible-300/) to 176.05 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/deductible-2500/): 104.80 CHF less a month, 1'257.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'697 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Wald 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 1'000 CHF and without accident cover, the cheapest premium per model is: standard model 279.55 CHF (Sanitas), family doctor / HMO 261.65 CHF (ÖKK), flexible model 268.75 CHF (Sympany), telemedicine 247.45 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 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 252.60 CHF at Agrisano (AGRIsmart) gives 247.45 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.

## 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: Wald 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 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/wald/young-adult/no-accident/deductible-300/

## Related pages

- Health insurance premiums 2026 in Wald (AR): every situation: https://praemiencheck.onedoc.ch/en/ar/wald/
- Premiums 2026 in Wald (AR), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/
- Premiums 2026 in Wald (AR), young adult, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/
- Child: https://praemiencheck.onedoc.ch/en/ar/wald/child/
- Adult: https://praemiencheck.onedoc.ch/en/ar/wald/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2026 in Wald (AR), young adult, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/deductible-300/
- Deductible Premiums 2026 in Wald (AR), young adult, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/deductible-500/
- Deductible Premiums 2026 in Wald (AR), young adult, deductible of 1'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/deductible-1500/
- Deductible Premiums 2026 in Wald (AR), young adult, deductible of 2'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/deductible-2000/
- Deductible Premiums 2026 in Wald (AR), young adult, deductible of 2'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/ar/wald/young-adult/no-accident/deductible-300/ — replace `ar` with your canton’s two-letter code (ge, vd, zh…), `wald` with your municipality, `young-adult` with `child` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-1000` with `deductible-2500` for another deductible. Markdown version: add `.md`.