# Health insurance premiums 2027 in Le Locle (NE), for a young adult aged 19 to 25 without accident cover

In 2027, for a young adult aged 19 to 25 in Le Locle, without accident cover, the cheapest health insurance premium is:

- **394.80 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/deductible-300/) (Sanitas, Family doctor 1)
- **275.35 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/deductible-2500/) (Sanitas, Family doctor 1)

## Without accident cover: from 275.35 to 603.95 CHF a month depending on the deductible and the model

107 offers from 21 health insurers. With a deductible of 300 CHF, the cheapest is **394.80 CHF** a month with **Sanitas** (Family doctor 1), the most expensive 603.95 CHF with sana24 (Standard model).

Lowest premium:
- 300 CHF: 394.80 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/deductible-300/
- 500 CHF: 383.95 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/deductible-500/
- 1'000 CHF: 356.80 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 329.60 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 302.50 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 275.35 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 394.80 | 383.95 | 356.80 | 329.60 | 302.50 | 275.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 394.80 | 383.95 | 356.80 | 329.60 | 302.50 | 275.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 395.05 | 384.35 | 357.35 | 329.95 | 302.95 | 275.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 399.00 | 388.15 | 361.00 | 333.80 | 306.65 | 279.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 399.00 | 388.15 | 361.00 | 333.80 | 306.65 | 279.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 399.00 | 388.15 | 361.00 | 333.80 | 306.65 | 279.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 399.00 | 388.15 | 361.00 | 333.80 | 306.65 | 279.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 399.00 | 388.15 | 361.00 | 333.80 | 306.65 | 279.55 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 399.85 | 390.75 | 367.95 | 345.05 | 322.15 | 299.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 401.95 | 391.25 | 364.25 | 336.85 | 309.85 | 282.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 403.85 | 393.05 | 365.85 | 338.75 | 311.65 | 284.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 404.25 | 393.55 | 366.65 | 339.15 | 312.25 | 285.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 405.25 | 394.45 | 367.35 | 340.15 | 313.15 | 285.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 407.25 | 397.95 | 374.65 | 351.45 | 328.15 | 304.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 409.75 | 400.35 | 376.95 | 353.45 | 330.05 | 306.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 411.45 | 400.60 | 373.45 | 346.30 | 319.15 | 292.00 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 413.55 | 402.85 | 375.85 | 348.45 | 321.45 | 294.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 413.65 | 402.85 | 375.65 | 348.55 | 321.45 | 294.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 416.15 | 405.35 | 378.15 | 351.05 | 323.95 | 296.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 423.75 | 412.65 | 384.95 | 357.25 | 329.55 | 301.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 425.15 | 414.15 | 386.35 | 358.65 | 330.95 | 303.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 425.35 | 414.45 | 386.85 | 359.25 | 331.75 | 304.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 426.35 | 415.55 | 388.35 | 361.15 | 333.95 | 306.75 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 427.85 | 416.85 | 389.25 | 361.65 | 334.15 | 306.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 428.45 | 417.75 | 390.55 | 363.35 | 336.35 | 309.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | VIVA health plan | 428.55 | 422.35 | 390.45 | 363.15 | 335.95 | 308.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 429.05 | 418.25 | 391.05 | 363.85 | 336.65 | 309.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 430.45 | 419.45 | 391.65 | 363.95 | 336.35 | 308.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 433.95 | 423.25 | 396.25 | 368.85 | 341.85 | 314.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 434.45 | 423.65 | 401.65 | 374.45 | 342.25 | 315.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 435.35 | 424.45 | 396.85 | 369.25 | 341.75 | 314.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 436.35 | 425.65 | 398.45 | 371.25 | 344.25 | 317.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 436.35 | 425.65 | 398.45 | 371.25 | 344.25 | 317.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 438.95 | 428.25 | 401.25 | 373.85 | 346.85 | 319.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 439.15 | 429.75 | 406.15 | 382.65 | 358.95 | 327.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 439.55 | 428.75 | 409.35 | 382.25 | 347.35 | 320.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 440.85 | 430.05 | 402.95 | 375.75 | 348.65 | 321.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 441.45 | 430.75 | 403.85 | 376.35 | 349.45 | 322.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 444.95 | 434.15 | 406.95 | 379.85 | 352.75 | 333.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 445.15 | 434.45 | 407.55 | 380.05 | 353.15 | 326.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 447.45 | 436.75 | 409.55 | 382.35 | 355.35 | 336.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 450.15 | 439.05 | 411.35 | 383.65 | 355.95 | 328.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 450.85 | 440.05 | 412.85 | 385.75 | 358.65 | 331.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 452.45 | 446.75 | 419.65 | 392.45 | 360.25 | 333.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 453.05 | 442.35 | 415.35 | 387.95 | 360.95 | 333.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 453.05 | 442.35 | 415.35 | 387.95 | 360.95 | 333.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 453.95 | 443.15 | 416.05 | 388.85 | 361.85 | 334.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 454.05 | 443.35 | 416.45 | 388.95 | 362.05 | 335.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 456.35 | 445.55 | 418.35 | 391.25 | 364.15 | 336.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 456.95 | 446.05 | 418.75 | 391.45 | 364.25 | 336.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 457.45 | 446.75 | 419.75 | 392.35 | 365.35 | 338.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 459.35 | 453.15 | 421.25 | 393.95 | 366.75 | 339.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 459.35 | 453.15 | 421.25 | 393.95 | 366.75 | 339.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 460.25 | 454.05 | 422.05 | 394.85 | 367.55 | 340.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 460.35 | 454.05 | 422.15 | 394.85 | 367.65 | 340.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 461.65 | 450.95 | 423.75 | 396.55 | 369.55 | 342.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 461.65 | 450.95 | 423.75 | 396.55 | 369.55 | 342.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Hausspital | 465.65 | 454.85 | 427.65 | 400.55 | 373.45 | 346.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 466.45 | 455.55 | 428.25 | 400.95 | 373.75 | 346.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 466.75 | 455.95 | 428.75 | 401.65 | 374.55 | 347.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 467.05 | 456.35 | 429.15 | 401.95 | 374.95 | 347.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 470.45 | 459.55 | 432.25 | 404.95 | 377.75 | 350.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 470.45 | 459.55 | 432.25 | 404.95 | 377.75 | 350.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 473.95 | 463.25 | 436.25 | 408.85 | 381.85 | 354.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 476.65 | 465.55 | 437.85 | 410.15 | 382.45 | 354.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 477.95 | 467.15 | 440.05 | 412.85 | 385.85 | 358.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 478.15 | 472.45 | 450.45 | 423.25 | 406.45 | 379.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 479.45 | 468.65 | 441.55 | 414.35 | 387.25 | 360.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 479.45 | 468.65 | 441.55 | 414.35 | 387.25 | 360.15 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 485.75 | 474.65 | 446.95 | 419.25 | 391.45 | 363.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 488.55 | 477.65 | 450.55 | 423.45 | 396.35 | 369.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 488.55 | 477.65 | 450.55 | 423.45 | 396.35 | 369.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 490.35 | 479.55 | 452.35 | 425.25 | 398.15 | 371.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 490.85 | 484.65 | 452.75 | 425.45 | 398.25 | 370.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 493.55 | 487.85 | 465.85 | 438.75 | 416.75 | 389.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 494.25 | 483.45 | 456.35 | 429.15 | 402.05 | 374.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 495.25 | 484.35 | 456.75 | 429.15 | 401.65 | 374.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 495.95 | 485.05 | 457.75 | 430.55 | 403.25 | 375.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 497.95 | 487.15 | 459.95 | 432.85 | — | 378.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 499.45 | 488.75 | 461.75 | 434.35 | 407.35 | 380.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 499.85 | 489.05 | 461.85 | 434.75 | 407.65 | 380.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 501.05 | 494.85 | 462.95 | 435.65 | 408.45 | 381.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 504.95 | 494.15 | 466.95 | 439.85 | 412.75 | 385.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 505.45 | 494.65 | 467.45 | 440.45 | 413.25 | 386.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 505.45 | 494.75 | 467.55 | 440.35 | 413.35 | 386.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 506.25 | 499.95 | 468.05 | 440.75 | 413.55 | 386.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 508.95 | 498.05 | 470.95 | 443.85 | 416.75 | 389.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 508.95 | 498.05 | 470.95 | 443.85 | 416.75 | 389.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 512.05 | 501.35 | 474.15 | 446.95 | 419.95 | 392.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 518.45 | 507.75 | 480.75 | 453.35 | 426.35 | 399.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 521.85 | 511.05 | 483.85 | 456.75 | — | 402.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 521.85 | 511.05 | 483.85 | 456.75 | — | 402.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 522.55 | 511.75 | 484.55 | 457.45 | 430.35 | 403.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 526.65 | 515.85 | 488.75 | 461.55 | — | 407.35 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 527.45 | 516.55 | 489.35 | 462.25 | 434.95 | 407.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 537.65 | 526.85 | 499.75 | 472.55 | 445.55 | 418.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 545.85 | 535.05 | 507.85 | 480.75 | — | 426.45 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 557.15 | 547.95 | 525.15 | 502.35 | 479.55 | 456.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 561.35 | 550.45 | 523.25 | 495.95 | 468.65 | 441.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 562.25 | 551.35 | 524.25 | 497.15 | 469.95 | 442.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 567.45 | 556.55 | 529.25 | 502.05 | 474.75 | 447.55 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 576.75 | 567.45 | 541.85 | 512.80 | 483.70 | 454.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 579.65 | 568.75 | 541.45 | 514.15 | 486.95 | 459.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 593.75 | 582.95 | 555.75 | 528.65 | — | 474.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 597.85 | 586.95 | 559.65 | 532.45 | 505.15 | 477.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 597.85 | 586.95 | 559.65 | 532.45 | 505.15 | 477.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 603.95 | 593.05 | 565.75 | 538.55 | 511.25 | 484.05 |

107 offers from 21 health insurers.: https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident.md

\* insurer’s default model

Last modified: 29/09/2026

## Frequently asked questions

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

In 2027, without accident cover, the cheapest offer in [Le Locle](https://praemiencheck.onedoc.ch/en/ne/le-locle/) is Sanitas (Family doctor 1) at 394.80 CHF a month.

### How much does health insurance cost in Le Locle in 2027 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/) with a deductible of 300 CHF and without accident cover, monthly premiums run from 394.80 CHF (Sanitas, Family doctor 1) to 603.95 CHF (sana24, Standard model): 107 offers from 21 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: 372.85 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Le Locle for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Sanitas, Family doctor 1), the premium goes from 394.80 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/deductible-300/) to 275.35 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/deductible-2500/): 119.45 CHF less a month, 1'433.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'893 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Le Locle 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 411.45 CHF (Sanitas), family doctor / HMO 394.80 CHF (Sanitas), flexible model 399.00 CHF (Sanitas), telemedicine 394.80 CHF (Sanitas).

### 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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 399.55 CHF at Sanitas (Family doctor 1) gives 394.80 CHF after redistribution.

### Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/

## Related pages

- Without accident cover: from 275.35 to 603.95 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/ne/le-locle/young-adult/no-accident/

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