# Health insurance premiums 2026 in Scharans (GR), for a young adult aged 19 to 25 without accident cover

In 2026, for a young adult aged 19 to 25 in Scharans, without accident cover, the cheapest health insurance premium is:

- **277.15 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/deductible-300/) (Agrisano, AGRIsmart)
- **171.05 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/deductible-2500/) (Sanitas, Family doctor 1)

## Without accident cover: from 171.05 to 437.55 CHF a month depending on the deductible and the model

117 offers from 24 health insurers. With a deductible of 300 CHF, the cheapest is **277.15 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 437.55 CHF with SLKK (Standard model).

Lowest premium:
- 300 CHF: 277.15 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/deductible-300/
- 500 CHF: 267.65 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/deductible-500/
- 1'000 CHF: 243.85 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 220.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 193.95 CHF (Sympany, casamed hmo) — https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 171.05 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-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 | 277.15 | 267.65 | 243.85 | 220.05 | 196.15 | 172.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 286.15 | 275.25 | 248.15 | 221.05 | 193.95 | 174.85 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 289.15 | 279.15 | 254.15 | 229.25 | 204.35 | 179.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 289.15 | 279.15 | 254.15 | 229.25 | 204.35 | 179.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 289.55 | 278.65 | 251.45 | 224.45 | 197.25 | 174.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 289.55 | 278.65 | 251.45 | 224.45 | 197.25 | 174.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 289.55 | 278.65 | 251.45 | 224.45 | 197.25 | 174.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 290.50 | 279.70 | 252.50 | 225.30 | 198.25 | 171.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 290.65 | 279.85 | 252.65 | 225.55 | 198.45 | 171.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 291.85 | 281.05 | 253.95 | 226.75 | 199.65 | 172.55 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 291.85 | 281.05 | 253.95 | 226.75 | 199.65 | 172.55 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 291.85 | 281.05 | 253.95 | 226.75 | 199.65 | 172.55 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 292.05 | 281.95 | 256.85 | 231.75 | 206.75 | 181.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 293.05 | 282.25 | 255.15 | 227.95 | 200.95 | 173.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 293.60 | 282.80 | 255.60 | 228.45 | 201.35 | 174.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 293.60 | 282.80 | 255.60 | 228.45 | 201.35 | 174.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 293.60 | 282.80 | 255.60 | 228.45 | 201.35 | 174.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 293.75 | 282.95 | 255.75 | 228.55 | 201.45 | 174.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 293.75 | 282.95 | 255.75 | 228.55 | 201.45 | 174.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 296.25 | 285.35 | 258.15 | 231.15 | 203.95 | 176.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 296.75 | 285.95 | 258.85 | 231.65 | 204.65 | 177.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 296.95 | 285.95 | 258.35 | 230.75 | 203.25 | 181.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 296.95 | 285.95 | 258.35 | 230.75 | 203.25 | 181.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 296.95 | 286.65 | 261.25 | 235.75 | 210.25 | 184.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 298.35 | 287.55 | 260.35 | 233.25 | 206.15 | 179.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 300.35 | 289.65 | 262.65 | 235.25 | 208.25 | 183.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 302.05 | 291.35 | 264.45 | 236.95 | 210.05 | 183.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 302.95 | 292.15 | 264.95 | 237.75 | 210.75 | 183.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 303.85 | 293.15 | 266.15 | 238.75 | 211.75 | 184.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 307.45 | 301.25 | 269.35 | 242.05 | 214.85 | 187.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 307.45 | 301.25 | 269.35 | 242.05 | 214.85 | 187.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 307.65 | 296.65 | 269.05 | 241.45 | 213.95 | 186.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 310.65 | 299.85 | 272.65 | 245.55 | 218.45 | 191.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 310.95 | 304.75 | 272.75 | 245.55 | 218.25 | 191.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 312.35 | 301.55 | 274.45 | 247.25 | 220.15 | 193.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 312.55 | 301.85 | 274.85 | 247.45 | 220.45 | 193.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 312.95 | 302.15 | 275.05 | 247.85 | 220.75 | 193.65 |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed | 313.85 | 305.25 | 285.85 | 263.45 | 242.65 | 217.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 314.45 | 308.15 | 276.25 | 249.05 | 221.75 | 194.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 314.65 | 303.95 | 276.75 | 249.65 | 222.55 | 195.45 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 315.75 | 306.35 | 282.75 | 259.25 | 235.55 | 216.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 316.55 | 305.75 | 282.15 | 255.05 | 224.35 | 197.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 320.05 | 311.75 | 290.85 | 269.95 | 248.55 | 227.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 320.05 | 309.15 | 281.85 | 254.55 | 227.35 | 200.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 323.15 | 312.45 | 285.25 | 258.15 | 231.05 | 205.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 323.15 | 312.05 | 284.45 | 256.65 | 228.95 | 201.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 323.55 | 312.75 | 285.65 | 258.45 | 231.35 | 205.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 324.85 | 314.05 | 286.95 | 259.75 | 232.75 | 205.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 324.85 | 318.55 | 286.65 | 259.45 | 232.15 | 204.85 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 327.15 | 316.25 | 288.95 | 261.65 | 234.45 | 207.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 327.15 | 316.25 | 288.95 | 261.65 | 234.45 | 207.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 327.45 | 316.65 | 289.55 | 262.35 | 235.35 | 208.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 327.45 | 316.65 | 289.55 | 262.35 | 235.35 | 208.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 328.35 | 317.25 | 289.55 | 261.85 | 234.15 | 206.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 329.65 | 318.85 | 291.65 | 264.55 | 237.45 | 210.25 |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 330.65 | 321.95 | 301.65 | 278.35 | 256.25 | 230.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 330.85 | 320.05 | 292.85 | 267.55 | 242.25 | 218.65 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 331.00 | 320.95 | 294.05 | 263.80 | 240.25 | 223.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 331.35 | 320.55 | 293.45 | 266.25 | 239.25 | 212.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 332.15 | 321.05 | 293.35 | 265.65 | 237.95 | 210.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 332.65 | 325.35 | 298.25 | 271.15 | 240.45 | 213.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 332.85 | 322.15 | 295.25 | 267.75 | 240.85 | 213.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 334.65 | 323.95 | 296.95 | 269.55 | 242.55 | 215.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 335.95 | 325.25 | 298.35 | 270.95 | 248.65 | 227.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 336.75 | 326.05 | 299.05 | 271.65 | 244.65 | 217.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 338.05 | 327.15 | 300.05 | 274.65 | 249.35 | 225.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 338.05 | 331.75 | 299.85 | 272.55 | 245.35 | 218.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 339.45 | 328.55 | 301.35 | 274.05 | 246.75 | 219.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 341.55 | 330.75 | 303.65 | 276.45 | 249.35 | 222.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 341.65 | 330.75 | 303.55 | 276.25 | 248.95 | 221.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 341.85 | 331.05 | 303.85 | 276.75 | — | 222.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 341.85 | 331.05 | 303.85 | 276.75 | — | 222.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 342.15 | 335.95 | 304.05 | 276.75 | 249.45 | 222.25 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 342.35 | 331.45 | 304.15 | 276.85 | 249.65 | 222.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 342.55 | 331.85 | 304.85 | 277.45 | 250.45 | 223.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 343.15 | 332.35 | 305.25 | 278.05 | 251.05 | 223.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 343.15 | 332.35 | 305.25 | 278.05 | 251.05 | 223.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 343.55 | 332.55 | 304.85 | 277.05 | 249.45 | 221.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 343.95 | 333.25 | 306.35 | 278.85 | 251.95 | 224.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 344.45 | 333.75 | 306.85 | 279.35 | 252.45 | 225.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 345.25 | 334.35 | 307.15 | 279.85 | 252.55 | 225.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 345.25 | 334.35 | 307.15 | 279.85 | 252.55 | 225.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 345.25 | 334.35 | 307.15 | 279.85 | 252.55 | 225.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 346.55 | 335.85 | 308.85 | 281.45 | 254.45 | 227.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 348.15 | 337.15 | 309.55 | 281.95 | 254.45 | 226.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 348.35 | 337.65 | 310.65 | 283.25 | 256.25 | 229.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 348.35 | 339.05 | 316.35 | 293.55 | 270.75 | 247.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 349.65 | 338.75 | 311.45 | 284.25 | 256.95 | 229.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 350.95 | 340.25 | 313.05 | 285.85 | 258.85 | 231.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 351.45 | 340.65 | 313.55 | 286.35 | 259.25 | 232.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 351.45 | 340.65 | 313.55 | 286.35 | 259.25 | 232.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 352.25 | 341.45 | 314.35 | 287.15 | 260.05 | 232.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 352.45 | 341.55 | 314.35 | 287.05 | 259.85 | 232.55 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 352.70 | 341.95 | 313.35 | 288.30 | 256.05 | 241.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 354.95 | 344.15 | 316.95 | 289.85 | 262.75 | 235.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 355.35 | 344.55 | 317.45 | 290.25 | 263.25 | 236.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 355.45 | 344.55 | 317.35 | 290.05 | 262.85 | 235.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 356.05 | 345.25 | 318.15 | 290.95 | — | 236.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 356.05 | 345.15 | 317.95 | 290.65 | 263.45 | 236.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 358.45 | 347.75 | 320.75 | 293.35 | 266.35 | 239.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 358.95 | 348.15 | 321.05 | 293.85 | — | 239.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 363.65 | 352.85 | 325.75 | 298.65 | 271.45 | 244.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 367.15 | 356.35 | 329.25 | 302.05 | 275.05 | 247.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 367.15 | 356.35 | 329.25 | 302.05 | 275.05 | 247.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 369.95 | 359.05 | 331.75 | 304.55 | 277.25 | 250.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 375.55 | 366.15 | 342.55 | 318.95 | 295.45 | 271.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 378.05 | 367.05 | 339.35 | 311.55 | 283.95 | 256.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 378.85 | 368.05 | 340.95 | 313.75 | — | 259.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 381.15 | 370.45 | 343.55 | 316.05 | 289.05 | 262.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 385.95 | 375.05 | 347.85 | 320.55 | 293.25 | 266.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 386.25 | 375.45 | 348.25 | 321.15 | 294.05 | 266.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 386.75 | 375.95 | 348.75 | 321.65 | 294.55 | 267.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 392.25 | 381.55 | 354.55 | 327.15 | 300.15 | 273.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 393.25 | 383.45 | 358.75 | 334.05 | 309.35 | 284.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 397.65 | 387.75 | 362.75 | 337.75 | 312.85 | 287.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 398.75 | 387.95 | 360.85 | 333.65 | — | 279.45 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 437.55 | 426.55 | 399.15 | 371.75 | 344.35 | 316.95 |

117 offers from 24 health insurers.: https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Scharans for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?

In 2026, without accident cover, the cheapest offer in [Scharans](https://praemiencheck.onedoc.ch/en/gr/scharans/) is Agrisano (AGRIsmart) at 277.15 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 302.95 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/) with a deductible of 300 CHF and without accident cover, monthly premiums run from 277.15 CHF (Agrisano, AGRIsmart) to 437.55 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 Scharans for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 277.15 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/deductible-300/) to 172.45 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/deductible-2500/): 104.70 CHF less a month, 1'256.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'696 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Scharans 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 without accident cover, the cheapest premium per model is: standard model 302.95 CHF (Sanitas), family doctor / HMO 286.15 CHF (Sympany), flexible model 289.55 CHF (Sympany), telemedicine 277.15 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 282.30 CHF at Agrisano (AGRIsmart) gives 277.15 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/gr/scharans/young-adult/no-accident/

## Related pages

- Without accident cover: from 171.05 to 437.55 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/

Address of this page: praemiencheck.onedoc.ch/en/gr/scharans/young-adult/no-accident/ — replace `gr` with your canton’s two-letter code (ge, vd, zh…) and `scharans` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.