Health insurance premiums 2026 in Avers (GR)For a young adult aged 19 to 25 with accident cover
From 181.75 to 465.75 CHF a month depending on the deductible and the model
117 offers from 24 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Agrisano | AGRIsmart | 292.05 | 282.05 | 256.95 | 231.85 | 206.75 | 181.75 |
| 2 | Agrisano | AGRIcontact | 307.65 | 297.05 | 270.65 | 244.25 | 217.85 | 191.55 |
| 3 |  Sympany | casamed hmo | 308.05 | 296.35 | 267.15 | 238.05 | 208.85 | 188.35 |
| 4 |  Sumiswalder Krankenkasse | Family doctor | 311.25 | 300.45 | 273.65 | 246.85 | 220.05 | 193.25 |
| 5 | Sumiswalder Krankenkasse | Telemedicine | 311.25 | 300.45 | 273.65 | 246.85 | 220.05 | 193.25 |
| 6 | Sympany | FlexHelp 24 | 311.65 | 299.95 | 270.75 | 241.65 | 212.45 | 188.35 |
| 7 | Sympany | callmed 24 | 311.65 | 299.95 | 270.75 | 241.65 | 212.45 | 188.35 |
| 8 | Sympany | casamed pharm | 311.65 | 299.95 | 270.75 | 241.65 | 212.45 | 188.35 |
| 9 |  Sanitas | Family doctor 1 | 312.40 | 300.80 | 271.60 | 242.40 | 213.30 | 184.10 |
| 10 | Sanitas | TelMed (Compact One) | 312.55 | 300.95 | 271.75 | 242.55 | 213.45 | 184.25 |
| 11 | Agrisano | AGRIeco | 312.85 | 302.05 | 275.25 | 248.45 | 221.55 | 194.75 |
| 12 |  ÖKK | Family doctor | 314.15 | 302.55 | 273.35 | 244.15 | 215.05 | 185.85 |
| 13 | ÖKK | HMO model | 314.15 | 302.55 | 273.35 | 244.15 | 215.05 | 185.85 |
| 14 | ÖKK | Select | 314.15 | 302.55 | 273.35 | 244.15 | 215.05 | 185.85 |
| 15 |  CONCORDIA | HMO | 314.45 | 302.85 | 273.65 | 244.45 | 215.35 | 192.65 |
| See all | See all | See all | See all | See all | See all | |||
In 2026, for a young adult aged 19 to 25 in Avers, with accident cover, the cheapest health insurance premium is:
- 292.05 CHF a month with a 300 CHF deductible (Agrisano, AGRIsmart)
- 181.75 CHF a month with a 2'500 CHF deductible (Agrisano, AGRIsmart)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Avers 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 Avers is Agrisano (AGRIsmart) at 292.05 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 325.75 CHF a month.
How much does health insurance cost in Avers in 2026 for a young adult aged 19 to 25?
For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, monthly premiums run from 292.05 CHF (Agrisano, AGRIsmart) to 465.75 CHF (SLKK, Standard model): 117 offers from 24 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: 264.95 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in Avers for a young adult aged 19 to 25 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 292.05 CHF a month with the 300 CHF deductible to 181.75 CHF with the 2'500 CHF deductible: 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 Avers 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 325.75 CHF (Sanitas), family doctor / HMO 308.05 CHF (Sympany), flexible model 311.65 CHF (Sympany), telemedicine 292.05 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 297.20 CHF at Agrisano (AGRIsmart) gives 292.05 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.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.