# Health insurance premiums 2027 in Val-de-Ruz (NE), for an adult aged 26 or over

In 2027, for an adult aged 26 or over in Val-de-Ruz, the cheapest health insurance premium is:

- [Without accident cover](https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/): **548.00 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/deductible-300/) (Sanitas, TelMed Basic), **428.55 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/deductible-2500/) (Sanitas, TelMed Basic).
- [With accident cover](https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/): **578.65 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/deductible-300/) (Agrisano, AGRIsmart), **460.65 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/deductible-2500/) (Sanitas, TelMed Basic).

## Without accident cover: from 428.55 to 778.50 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 **548.00 CHF** a month with **Sanitas** (TelMed Basic), the most expensive 778.50 CHF with vita surselva (Standard model).

Lowest premium:
- 300 CHF: 548.00 CHF (Sanitas, TelMed Basic) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/deductible-300/
- 500 CHF: 537.15 CHF (Sanitas, TelMed Basic) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/deductible-500/
- 1'000 CHF: 510.00 CHF (Sanitas, TelMed Basic) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/deductible-1000/
- 1'500 CHF: 482.80 CHF (Sanitas, TelMed Basic) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/deductible-1500/
- 2'000 CHF: 455.70 CHF (Sanitas, TelMed Basic) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/deductible-2000/
- 2'500 CHF: 428.55 CHF (Sanitas, TelMed Basic) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/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) | Telemedicine | TelMed Basic | 548.00 | 537.15 | 510.00 | 482.80 | 455.70 | 428.55 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 549.45 | 540.35 | 517.55 | 494.65 | 471.75 | 448.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 552.25 | 541.55 | 514.55 | 487.15 | 460.15 | 433.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 553.05 | 542.25 | 515.05 | 487.95 | 460.85 | 433.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 553.35 | 542.55 | 522.25 | 495.15 | 461.15 | 434.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | VIVA health plan | 555.05 | 548.75 | 516.85 | 489.55 | 462.35 | 435.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 556.35 | 545.55 | 518.45 | 491.25 | 464.25 | 437.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 559.55 | 550.25 | 527.05 | 503.65 | 480.45 | 457.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 561.00 | 550.15 | 523.05 | 495.85 | 468.70 | 441.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 562.35 | 551.45 | 524.25 | 496.95 | 469.65 | 442.45 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 562.95 | 553.55 | 530.15 | 506.75 | 483.35 | 459.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 564.75 | 553.95 | 526.75 | 499.65 | 472.55 | 445.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 566.45 | 555.45 | 527.75 | 499.95 | 472.35 | 444.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 567.05 | 556.25 | 535.95 | 508.85 | 474.85 | 447.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 567.05 | 556.25 | 535.95 | 508.85 | 474.85 | 447.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 568.35 | 557.35 | 529.65 | 501.85 | 474.25 | 446.55 |
| [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) | 568.55 | 557.85 | 530.95 | 503.45 | 476.55 | 449.55 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 568.65 | 557.85 | 530.75 | 503.55 | 476.45 | 449.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 570.65 | 559.85 | 532.75 | 505.55 | 478.55 | 451.35 |
| [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 R1 | 571.55 | 560.75 | 533.55 | 506.45 | 479.35 | 452.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 571.85 | 561.65 | 536.05 | 510.05 | 484.35 | 458.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 572.85 | 562.05 | 534.85 | 507.75 | 480.65 | 453.55 |
| [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) | 575.15 | 564.45 | 537.45 | 510.05 | 483.05 | 456.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 575.45 | 564.35 | 536.65 | 508.95 | 481.25 | 453.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 575.95 | 565.25 | 538.25 | 510.85 | 483.85 | 456.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 576.35 | 565.45 | 537.85 | 510.25 | 482.75 | 455.15 |
| [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 | 578.35 | 567.55 | 540.35 | 513.25 | 486.15 | 458.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 578.35 | 567.55 | 540.35 | 513.25 | 486.15 | 458.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 579.75 | 568.85 | 541.25 | 513.65 | 486.15 | 458.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 581.05 | 570.25 | 543.05 | 515.95 | 488.85 | 461.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 583.45 | 572.65 | 545.45 | 518.35 | 491.25 | 464.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 583.45 | 572.65 | 545.45 | 518.35 | 491.25 | 464.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 584.65 | 573.85 | 546.65 | 519.55 | 492.45 | 465.35 |
| [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 | 585.15 | 574.35 | 547.15 | 520.05 | 492.95 | 465.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 587.05 | 576.20 | 549.05 | 521.85 | 494.75 | 467.60 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 589.35 | 578.55 | 551.45 | 524.25 | 497.25 | 470.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 589.85 | 578.95 | 551.35 | 523.75 | 496.25 | 468.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 592.35 | 586.15 | 554.15 | 526.95 | 499.65 | 472.45 |
| [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) | 592.85 | 582.25 | 555.25 | 527.75 | 500.85 | 473.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 593.50 | 582.65 | 555.55 | 528.35 | 501.20 | 474.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 594.25 | 584.05 | 558.45 | 532.45 | 506.75 | 481.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 594.25 | 588.05 | 556.15 | 528.85 | 501.65 | 474.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 594.25 | 588.05 | 556.15 | 528.85 | 501.65 | 474.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 594.55 | 584.35 | 558.75 | 532.75 | 507.05 | 481.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 594.75 | 584.05 | 556.85 | 529.65 | 502.65 | 486.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 594.75 | 583.85 | 556.65 | 529.35 | 502.15 | 474.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 594.95 | 585.55 | 561.95 | 538.45 | 514.75 | 479.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 595.85 | 589.65 | 557.75 | 530.45 | 503.15 | 475.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 596.25 | 585.35 | 558.05 | 530.85 | 503.55 | 476.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 596.85 | 585.95 | 558.75 | 531.45 | 504.25 | 476.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 597.75 | 587.05 | 560.15 | 532.65 | 505.75 | 478.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 598.25 | 587.45 | 560.25 | 533.15 | 506.05 | 490.05 |
| [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 R4 | 598.65 | 587.85 | 560.75 | 533.55 | 506.55 | 479.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 600.05 | 589.20 | 562.05 | 534.85 | 507.70 | 480.60 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 600.05 | 589.20 | 562.05 | 534.85 | 507.70 | 480.60 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 600.05 | 589.20 | 562.05 | 534.85 | 507.70 | 480.60 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 600.55 | 589.75 | 562.55 | 535.45 | 508.35 | 481.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 600.55 | 589.75 | 562.55 | 535.45 | 508.35 | 481.25 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 600.85 | 590.05 | 562.85 | 535.55 | 508.45 | 481.25 |
| [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) | 601.35 | 590.65 | 563.65 | 536.25 | 509.25 | 482.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 601.75 | 590.75 | 562.95 | 535.25 | 507.55 | 479.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 602.55 | 596.25 | 564.35 | 537.05 | 509.85 | 482.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 604.75 | 593.85 | 573.65 | 546.45 | 526.25 | 499.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 613.15 | 602.25 | 575.05 | 547.75 | 520.45 | 493.25 |
| [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) | 613.25 | 602.55 | 575.65 | 548.15 | 521.15 | 494.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 617.65 | 606.85 | 579.65 | 552.55 | — | 498.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 618.95 | 608.15 | 581.05 | 553.85 | 526.75 | 499.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Hausspital | 622.35 | 611.65 | 584.45 | 557.25 | 530.25 | 503.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 625.25 | 621.25 | 600.95 | 573.85 | 546.75 | 519.65 |
| [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) | 625.95 | 615.25 | 588.35 | 560.85 | 533.95 | 506.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 632.35 | 621.55 | 594.45 | 567.25 | 540.15 | 513.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 637.05 | 626.05 | 598.35 | 570.55 | 542.95 | 515.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 645.55 | 634.70 | 607.55 | 580.40 | 553.25 | 526.10 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 647.05 | 636.15 | 608.85 | 581.65 | 554.35 | 527.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 648.65 | 642.45 | 610.55 | 583.25 | 556.05 | 528.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 649.05 | 638.25 | 611.05 | 583.95 | — | 529.75 |
| [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) | 649.05 | 638.25 | 611.05 | 583.95 | — | 529.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 650.45 | 639.75 | 612.85 | 585.35 | 558.45 | 531.45 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 650.65 | 639.85 | 612.65 | 585.35 | 558.25 | 531.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 651.15 | 640.25 | 613.05 | 585.75 | 558.45 | 531.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 655.25 | 644.45 | 617.35 | 590.15 | — | 535.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 655.25 | 649.05 | 617.15 | 589.85 | 562.55 | 535.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 655.35 | 644.55 | 617.35 | 590.25 | 563.15 | 536.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 658.25 | 647.35 | 620.05 | 592.75 | 565.55 | 538.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 659.55 | 655.55 | 635.25 | 608.15 | 580.95 | 553.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 667.05 | 655.95 | 628.35 | 600.55 | 572.85 | 545.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 670.95 | 660.05 | 632.45 | 604.85 | 577.35 | 549.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 670.95 | 660.05 | 633.05 | 605.85 | 578.65 | 551.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 670.95 | 660.05 | 633.05 | 605.85 | 578.65 | 551.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 672.35 | 661.45 | 634.15 | 606.85 | 579.65 | 552.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 673.25 | 662.45 | 635.35 | 608.15 | 581.15 | 553.95 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 674.35 | 663.65 | 636.75 | 609.25 | 582.35 | 555.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 680.05 | 669.25 | 642.05 | 614.95 | 587.85 | 560.75 |
| [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 | 680.45 | 669.65 | 642.55 | 615.35 | — | 561.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 684.35 | 673.55 | 646.45 | 619.25 | 592.25 | 565.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 684.55 | 673.75 | 646.55 | 619.55 | 592.35 | 565.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 686.45 | 675.55 | 648.55 | 621.35 | 594.25 | 567.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 693.45 | 682.55 | 655.25 | 628.05 | 600.75 | 573.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 694.15 | 683.45 | 656.25 | 629.05 | 602.05 | 574.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 699.95 | 689.25 | 662.25 | 634.85 | 607.85 | 580.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 700.55 | 689.65 | 662.35 | 635.05 | 607.85 | 580.55 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 707.65 | 696.85 | 669.55 | 642.35 | 615.25 | 587.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 717.55 | 706.65 | 679.55 | 652.45 | 625.25 | 598.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 734.65 | 723.85 | 696.75 | 669.55 | 642.45 | 615.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 743.35 | 732.55 | 705.35 | 678.25 | — | 624.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 771.85 | 761.05 | 733.95 | 706.75 | 679.65 | 652.55 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 778.50 | 769.15 | 739.35 | 715.85 | 684.55 | 653.20 |

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

## With accident cover: from 460.65 to 830.25 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 **578.65 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 830.25 CHF with Sympany (Standard model).

Lowest premium:
- 300 CHF: 578.65 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/deductible-300/
- 500 CHF: 569.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/deductible-500/
- 1'000 CHF: 545.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/deductible-1000/
- 1'500 CHF: 518.95 CHF (Sanitas, TelMed Basic) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/deductible-1500/
- 2'000 CHF: 489.80 CHF (Sanitas, TelMed Basic) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/deductible-2000/
- 2'500 CHF: 460.65 CHF (Sanitas, TelMed Basic) — https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 578.65 | 569.05 | 545.05 | 520.95 | 496.85 | 472.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 588.95 | 577.30 | 548.15 | 518.95 | 489.80 | 460.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 589.25 | 579.45 | 555.05 | 530.45 | 505.95 | 481.55 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 592.85 | 582.95 | 558.35 | 533.65 | 509.05 | 484.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 594.15 | 582.65 | 553.65 | 524.15 | 495.15 | 466.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | VIVA health plan | 594.15 | 587.55 | 553.35 | 524.15 | 495.05 | 465.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 594.95 | 583.35 | 554.15 | 524.95 | 495.85 | 466.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 595.35 | 583.75 | 561.95 | 532.75 | 496.25 | 467.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 596.55 | 584.95 | 555.75 | 526.55 | 497.45 | 468.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 598.55 | 586.95 | 557.75 | 528.55 | 499.45 | 470.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 598.55 | 586.95 | 557.75 | 528.55 | 499.45 | 470.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 602.05 | 590.35 | 561.25 | 532.05 | 502.85 | 473.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 602.95 | 591.30 | 562.15 | 532.95 | 503.80 | 474.65 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 605.95 | 594.35 | 565.15 | 535.95 | 506.85 | 477.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 607.55 | 595.95 | 566.75 | 537.55 | 508.45 | 479.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 610.15 | 598.55 | 569.35 | 540.15 | 511.05 | 481.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 610.15 | 598.45 | 576.65 | 547.45 | 510.95 | 481.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 610.15 | 598.45 | 576.65 | 547.45 | 510.95 | 481.75 |
| [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) | 611.75 | 600.25 | 571.25 | 541.75 | 512.75 | 483.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 611.75 | 600.15 | 570.95 | 541.75 | 512.65 | 483.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 613.75 | 602.15 | 572.95 | 543.75 | 514.65 | 485.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 613.95 | 602.35 | 573.15 | 543.95 | 514.85 | 485.65 |
| [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 | 614.85 | 603.25 | 574.05 | 544.85 | 515.75 | 486.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 615.25 | 604.25 | 576.75 | 548.75 | 521.15 | 493.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 616.25 | 604.65 | 575.45 | 546.25 | 517.15 | 487.95 |
| [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) | 618.75 | 607.25 | 578.25 | 548.75 | 519.75 | 490.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 619.65 | 608.15 | 579.15 | 549.65 | 520.65 | 491.65 |
| [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 | 622.15 | 610.55 | 581.35 | 552.15 | 523.05 | 493.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 622.15 | 610.55 | 581.35 | 552.15 | 523.05 | 493.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 624.45 | 612.85 | 583.65 | 554.45 | 525.35 | 496.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 625.15 | 613.55 | 584.35 | 555.15 | 526.05 | 496.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 627.65 | 616.05 | 586.85 | 557.65 | 528.55 | 499.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 627.65 | 616.05 | 586.85 | 557.65 | 528.55 | 499.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 628.95 | 617.35 | 588.15 | 558.95 | 529.85 | 500.65 |
| [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 | 629.45 | 617.85 | 588.65 | 559.45 | 530.35 | 501.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 630.90 | 619.25 | 590.10 | 560.90 | 531.75 | 502.60 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 633.65 | 622.05 | 592.85 | 563.65 | 534.55 | 505.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 634.05 | 622.45 | 593.25 | 564.05 | 534.95 | 505.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 634.15 | 627.45 | 593.25 | 564.15 | 534.95 | 505.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 636.15 | 629.55 | 595.35 | 566.15 | 537.05 | 507.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 636.15 | 629.55 | 595.35 | 566.15 | 537.05 | 507.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 636.75 | 625.05 | 595.85 | 566.75 | 537.55 | 508.35 |
| [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) | 637.85 | 626.35 | 597.35 | 567.85 | 538.85 | 509.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 637.85 | 626.20 | 597.05 | 567.85 | 538.70 | 509.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 637.85 | 631.25 | 597.05 | 567.85 | 538.75 | 509.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 638.25 | 626.65 | 597.45 | 568.25 | 539.15 | 509.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 638.95 | 627.35 | 598.15 | 568.95 | 539.85 | 510.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 639.35 | 628.35 | 600.85 | 572.85 | 545.25 | 517.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 639.75 | 628.75 | 601.25 | 573.25 | 545.65 | 518.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 639.95 | 628.35 | 599.15 | 569.95 | 540.85 | 523.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 640.05 | 629.95 | 604.55 | 579.25 | 553.85 | 516.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 643.15 | 631.65 | 602.65 | 573.15 | 544.15 | 515.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 643.65 | 632.05 | 602.85 | 573.65 | 544.55 | 527.35 |
| [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 R4 | 644.05 | 632.45 | 603.25 | 574.05 | 544.95 | 515.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 644.65 | 633.05 | 603.85 | 574.65 | 545.55 | 516.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 644.85 | 633.20 | 604.05 | 574.85 | 545.70 | 516.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 644.85 | 633.20 | 604.05 | 574.85 | 545.70 | 516.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 644.85 | 633.20 | 604.05 | 574.85 | 545.70 | 516.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 644.95 | 638.35 | 604.15 | 574.95 | 545.85 | 516.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 646.05 | 634.45 | 605.25 | 576.05 | 546.95 | 517.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 646.05 | 634.45 | 605.25 | 576.05 | 546.95 | 517.75 |
| [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) | 646.95 | 635.45 | 606.45 | 576.95 | 547.95 | 518.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 650.65 | 638.95 | 617.15 | 587.95 | 566.15 | 536.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 656.45 | 644.75 | 615.55 | 586.45 | 557.25 | 528.05 |
| [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) | 659.75 | 648.25 | 619.25 | 589.75 | 560.75 | 531.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 664.45 | 652.85 | 623.65 | 594.45 | — | 536.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 665.85 | 654.25 | 625.05 | 595.85 | 566.75 | 537.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Hausspital | 669.55 | 657.95 | 628.75 | 599.55 | 570.45 | 541.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 670.85 | 659.25 | 630.05 | 600.85 | 571.75 | 542.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 672.65 | 668.35 | 646.55 | 617.45 | 588.25 | 559.05 |
| [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) | 673.45 | 661.95 | 632.95 | 603.45 | 574.45 | 545.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 680.25 | 668.65 | 639.45 | 610.25 | 581.15 | 551.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 692.65 | 680.95 | 651.85 | 622.65 | 593.45 | 564.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 693.75 | 682.10 | 652.95 | 623.75 | 594.60 | 565.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 694.35 | 687.75 | 653.55 | 624.35 | 595.25 | 566.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 697.05 | 685.35 | 656.25 | 627.05 | 597.85 | 568.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 698.05 | 686.45 | 657.25 | 628.05 | 598.95 | 569.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 698.25 | 686.65 | 657.45 | 628.25 | — | 569.95 |
| [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) | 698.25 | 686.65 | 657.45 | 628.25 | — | 569.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 699.75 | 688.25 | 659.25 | 629.75 | 600.75 | 571.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 701.45 | 694.75 | 660.65 | 631.45 | 602.25 | 573.15 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 702.45 | 690.75 | 661.65 | 632.45 | 603.25 | 574.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 704.55 | 692.95 | 663.75 | 634.55 | 605.45 | 576.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 704.95 | 693.35 | 664.15 | 634.95 | — | 576.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 704.95 | 693.35 | 664.15 | 634.95 | 605.85 | 576.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 709.55 | 705.25 | 683.45 | 654.25 | 625.05 | 595.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 710.25 | 698.65 | 669.45 | 640.25 | 611.15 | 581.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 719.65 | 708.05 | 678.85 | 649.65 | 620.55 | 591.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 721.75 | 710.05 | 680.95 | 651.75 | 622.55 | 593.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 721.75 | 710.05 | 680.95 | 651.75 | 622.55 | 593.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 724.25 | 712.65 | 683.45 | 654.25 | 625.15 | 595.95 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 725.45 | 713.95 | 684.95 | 655.45 | 626.45 | 597.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 731.55 | 719.95 | 690.75 | 661.55 | 632.45 | 603.25 |
| [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 | 732.05 | 720.45 | 691.25 | 662.05 | — | 603.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 736.25 | 724.65 | 695.45 | 666.25 | 637.15 | 607.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 736.35 | 724.75 | 695.55 | 666.45 | 637.25 | 608.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 738.45 | 726.75 | 697.65 | 668.45 | 639.25 | 610.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 742.35 | 730.65 | 701.45 | 672.35 | 643.15 | 613.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 746.75 | 735.15 | 705.95 | 676.75 | 647.65 | 618.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 749.85 | 738.15 | 709.05 | 679.85 | 650.65 | 621.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 752.95 | 741.45 | 712.45 | 682.95 | 653.95 | 624.95 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 759.15 | 747.55 | 718.35 | 689.15 | 660.05 | 630.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 771.85 | 760.15 | 731.05 | 701.85 | 672.65 | 643.55 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 783.25 | 773.80 | 743.85 | 720.20 | 688.70 | 657.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 790.25 | 778.65 | 749.55 | 720.25 | 691.15 | 662.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 799.65 | 788.05 | 758.85 | 729.65 | — | 671.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 830.25 | 818.65 | 789.45 | 760.25 | 731.15 | 701.95 |

107 offers from 21 health insurers.: https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident.md

\* insurer’s default model

Last modified: 29/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Val-de-Ruz for an adult aged 26 or over?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/): Sanitas (TelMed Basic) at 548.00 CHF a month with a [deductible of 300 CHF](https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/deductible-300/), and Sanitas (TelMed Basic) at 428.55 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/deductible-2500/). [With accident cover](https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/): Agrisano (AGRIsmart) at 578.65 CHF, and Sanitas (TelMed Basic) at 460.65 CHF.

### How much does accident cover cost in basic insurance in Val-de-Ruz?

For an adult aged 26 or over with Sanitas (TelMed Basic), the premium rises from 548.00 CHF a month [without accident cover](https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/) to 588.95 CHF with accident cover, at the 300 CHF deductible: 40.95 CHF a month, 491.40 CHF a year. You only need this cover if you are not already fully insured for accidents under the [Accident Insurance Act (UVG/LAA)](https://www.fedlex.admin.ch/eli/cc/1982/1676_1676_1676/en). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.

### 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 552.75 CHF at Sanitas (TelMed Basic) gives 548.00 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/val-de-ruz/adult/

## Related pages

- Without accident cover: from 428.55 to 778.50 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/no-accident/
- With accident cover: from 460.65 to 830.25 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/ne/val-de-ruz/adult/with-accident/

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