# Health insurance premiums 2026 in Stans (NW), for a young adult aged 19 to 25

In 2026, for a young adult aged 19 to 25 in Stans, the cheapest health insurance premium is:

- [Without accident cover](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/): **262.05 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-300/) (Agrisano, AGRIsmart), **158.45 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-2500/) (Agrisano, AGRIsmart).
- [With accident cover](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/): **276.15 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/deductible-300/) (Agrisano, AGRIsmart), **167.05 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/deductible-2500/) (Agrisano, AGRIsmart).

## Without accident cover: from 158.45 to 398.95 CHF a month depending on the deductible and the model

121 offers from 26 health insurers. With a deductible of 300 CHF, the cheapest is **262.05 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 398.95 CHF with Einsiedler Krankenkasse (Standard model).

Lowest premium:
- 300 CHF: 262.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-300/
- 500 CHF: 252.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-500/
- 1'000 CHF: 228.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 202.25 CHF (Visana, Managed Care) — https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 174.95 CHF (Visana, Managed Care) — https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 158.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/nw/stans/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 | 262.05 | 252.45 | 228.75 | 204.85 | 181.05 | 158.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 267.65 | 261.45 | 229.45 | 202.25 | 174.95 | 173.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 273.75 | 262.95 | 235.75 | 208.65 | 181.55 | 164.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 273.75 | 262.95 | 235.75 | 208.65 | 181.55 | 164.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 273.75 | 262.95 | 235.75 | 208.65 | 181.55 | 164.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 274.35 | 268.05 | 236.15 | 208.85 | 181.65 | 173.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 275.25 | 264.45 | 237.35 | 210.15 | 183.05 | 164.35 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 276.05 | 265.95 | 240.95 | 215.95 | 190.75 | 165.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 279.60 | 268.80 | 241.60 | 214.45 | 187.35 | 160.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 279.65 | 268.85 | 241.75 | 214.55 | 187.45 | 160.25 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 280.75 | 270.55 | 245.05 | 219.55 | 194.05 | 168.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 281.25 | 271.75 | 247.65 | 223.75 | 198.65 | 183.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 281.65 | 270.75 | 243.65 | 216.55 | 189.35 | 164.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 282.60 | 271.80 | 244.60 | 217.40 | 190.30 | 163.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 282.60 | 271.80 | 244.60 | 217.40 | 190.30 | 163.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 282.60 | 271.80 | 244.60 | 217.40 | 190.30 | 163.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 282.65 | 271.85 | 244.65 | 217.55 | 190.45 | 163.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 282.65 | 271.85 | 244.65 | 217.55 | 190.45 | 163.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 287.75 | 276.95 | 249.85 | 222.65 | 195.65 | 168.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 288.05 | 277.35 | 250.45 | 222.95 | 196.05 | 180.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 289.55 | 283.35 | 251.45 | 224.15 | 196.95 | 173.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 290.15 | 279.05 | 251.35 | 223.65 | 195.95 | 169.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 291.55 | 280.75 | 253.55 | 226.35 | 199.25 | 172.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 291.75 | 280.75 | 252.95 | 225.25 | 197.55 | 169.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 292.85 | 282.05 | 254.95 | 227.75 | 200.75 | 179.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 292.95 | 286.65 | 254.75 | 227.45 | 200.25 | 173.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 294.35 | 283.55 | 256.45 | 229.35 | 202.15 | 176.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 294.95 | 284.25 | 257.25 | 229.85 | 202.85 | 180.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 296.65 | 285.75 | 266.95 | 239.85 | 206.05 | 178.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 296.75 | 285.75 | 258.05 | 230.25 | 202.65 | 174.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 296.75 | 285.75 | 258.05 | 230.25 | 202.65 | 174.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 297.25 | 286.25 | 258.65 | 231.05 | 203.55 | 178.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 298.35 | 287.65 | 260.65 | 233.25 | 206.25 | 180.25 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 299.55 | 289.55 | 264.55 | 239.65 | 214.75 | 189.85 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 299.55 | 289.55 | 264.55 | 239.65 | 214.75 | 189.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 300.65 | 289.65 | 262.05 | 234.45 | 206.95 | 179.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 301.65 | 290.75 | 263.65 | 238.15 | 212.75 | 188.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 303.15 | 292.45 | 265.25 | 238.05 | 211.05 | 183.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 304.25 | 293.45 | 266.35 | 239.15 | 212.15 | 191.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 304.25 | 297.95 | 266.05 | 238.75 | 211.55 | 184.25 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 305.55 | 294.45 | 266.85 | 239.05 | 211.35 | 183.75 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 305.85 | 294.95 | 267.35 | 239.75 | 212.25 | 184.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 306.05 | 295.25 | 272.85 | 245.65 | 218.55 | 191.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 306.85 | 296.15 | 269.15 | 241.75 | 214.75 | 187.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 307.85 | 297.05 | 269.85 | 242.75 | 215.65 | 191.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 308.35 | 297.55 | 270.35 | 243.25 | 216.15 | 188.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 308.65 | 297.95 | 270.95 | 243.55 | 216.55 | 189.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 309.95 | 299.15 | 271.95 | 244.85 | 217.75 | 190.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 310.35 | 299.65 | 272.75 | 245.25 | 218.35 | 191.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 310.75 | 299.95 | 272.85 | 245.65 | 218.55 | 191.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 310.85 | 304.65 | 272.65 | 245.45 | 218.15 | 190.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 311.65 | 300.75 | 273.65 | 246.55 | 219.45 | 192.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 311.75 | 300.95 | 273.85 | 246.65 | 219.55 | 192.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 313.05 | 302.25 | 275.05 | 247.95 | — | 193.65 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 313.25 | 302.30 | 274.85 | 247.45 | 221.10 | 192.60 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 313.45 | 302.55 | 275.35 | 248.05 | 220.85 | 193.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 313.45 | 302.55 | 275.35 | 248.05 | 220.85 | 193.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 314.95 | 304.15 | 276.95 | 251.55 | 226.05 | 202.25 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 316.65 | 305.65 | 278.25 | 252.70 | 227.20 | 201.70 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 316.65 | 309.15 | 281.95 | 254.85 | 224.45 | 197.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 317.55 | 306.85 | 279.85 | 252.45 | 225.45 | 198.45 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 317.75 | 306.95 | 279.65 | 252.35 | 225.05 | 205.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 317.95 | 307.15 | 280.05 | 252.85 | 225.85 | 199.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 318.35 | 309.95 | 289.05 | 268.15 | 246.75 | 225.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 318.85 | 307.95 | 280.65 | 253.45 | 226.15 | 198.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 320.75 | 309.95 | 282.85 | 255.65 | 228.65 | 201.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 321.05 | 310.35 | 283.45 | 255.95 | 228.95 | 202.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 321.75 | 311.05 | 283.85 | 256.65 | 229.65 | 202.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 321.75 | 311.05 | 283.85 | 256.65 | 229.65 | 202.45 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 323.95 | 313.15 | 285.95 | 258.95 | 231.75 | 204.65 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 324.75 | 313.95 | 286.65 | 259.35 | 232.15 | 212.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 325.45 | 314.65 | 287.55 | 260.35 | — | 206.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 325.45 | 314.65 | 287.55 | 260.35 | — | 206.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 325.55 | 314.55 | 287.35 | 260.05 | 232.75 | 205.55 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 325.55 | 314.65 | 287.35 | 260.05 | 232.85 | 205.55 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 325.55 | 314.65 | 287.35 | 260.05 | 232.85 | 205.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 325.65 | 314.85 | 287.65 | 260.55 | 233.45 | 206.25 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 325.95 | 315.15 | 288.05 | 260.85 | 233.85 | 206.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 325.95 | 315.05 | 287.85 | 260.55 | 233.35 | 206.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 326.55 | 315.55 | 287.85 | 260.05 | 232.45 | 204.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 327.45 | 321.25 | 289.25 | 262.05 | 234.75 | 207.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 327.75 | 316.95 | 289.85 | 262.65 | 235.55 | 208.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 327.75 | 316.95 | 289.85 | 262.65 | 235.55 | 208.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 327.75 | 316.95 | 289.85 | 262.65 | 235.55 | 208.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 327.95 | 317.15 | 290.05 | 262.85 | — | 208.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 328.35 | 317.45 | 290.35 | 263.25 | 236.05 | 208.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 329.45 | 318.65 | 291.45 | 264.35 | 237.25 | 210.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 329.45 | 318.65 | 291.45 | 264.35 | 237.25 | 210.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 332.85 | 322.15 | 295.15 | 267.75 | 240.75 | 213.75 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 333.55 | 322.60 | 295.20 | 267.95 | 241.00 | 214.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 334.15 | 323.35 | 296.45 | 269.05 | 246.75 | 225.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 334.75 | 324.05 | 297.05 | 269.65 | 242.65 | 215.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 337.45 | 326.65 | 299.45 | 272.35 | 245.25 | 218.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 337.75 | 327.05 | 300.15 | 272.65 | 245.75 | 218.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 338.45 | 327.55 | 300.25 | 273.05 | 245.75 | 218.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 340.85 | 330.05 | 302.95 | 275.75 | 248.65 | 221.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 342.25 | 331.35 | 303.75 | 276.15 | 248.65 | 221.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 344.35 | 333.65 | 306.65 | 279.25 | 252.25 | 225.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 344.35 | 333.65 | 306.65 | 279.25 | 252.25 | 225.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 344.55 | 333.75 | 306.65 | 279.45 | 252.45 | 225.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 345.25 | 334.45 | 307.25 | 280.15 | 253.05 | 225.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 345.35 | 334.55 | 307.45 | 280.25 | — | 226.05 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 345.75 | 334.95 | 307.65 | 280.35 | 253.15 | 225.85 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 346.35 | 337.15 | 314.35 | 291.55 | 268.75 | 245.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 347.55 | 337.95 | 313.85 | 289.65 | 265.55 | 241.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 350.05 | 339.15 | 311.85 | 284.65 | 257.35 | 230.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 351.35 | 340.65 | 313.75 | 286.25 | 259.25 | 232.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 352.85 | 341.95 | 314.65 | 287.35 | 260.15 | 232.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 353.85 | 342.95 | 315.75 | 288.45 | 261.25 | 233.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 353.85 | 342.95 | 315.75 | 288.45 | 261.25 | 233.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 355.55 | 345.75 | 321.05 | 296.35 | 271.75 | 247.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 359.55 | 349.65 | 324.65 | 299.75 | 274.85 | 249.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 361.55 | 350.65 | 323.45 | 296.15 | 268.95 | 241.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 362.75 | 351.95 | 324.85 | 297.65 | — | 243.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 365.45 | 354.55 | 327.25 | 300.05 | 272.75 | 245.55 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 371.60 | 360.30 | 333.90 | 303.80 | 273.60 | 247.30 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 375.05 | 364.25 | 337.15 | 309.95 | 282.95 | 255.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 378.85 | 368.25 | 341.25 | 313.75 | 286.85 | 259.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 380.85 | 369.95 | 342.75 | 315.45 | 288.15 | 260.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 395.65 | 384.75 | 357.35 | 329.85 | 302.55 | 275.05 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 398.95 | 388.35 | 362.15 | 335.85 | 309.35 | 283.05 |

121 offers from 26 health insurers.: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident.md

## With accident cover: from 167.05 to 424.75 CHF a month depending on the deductible and the model

121 offers from 26 health insurers. With a deductible of 300 CHF, the cheapest is **276.15 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 424.75 CHF with Einsiedler Krankenkasse (Standard model).

Lowest premium:
- 300 CHF: 276.15 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/deductible-300/
- 500 CHF: 266.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/deductible-500/
- 1'000 CHF: 241.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 215.95 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 187.55 CHF (Visana, Managed Care) — https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 167.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/nw/stans/young-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-2026) | Telemedicine | AGRIsmart | 276.15 | 266.05 | 241.05 | 215.95 | 190.85 | 167.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 286.75 | 280.05 | 245.85 | 216.75 | 187.55 | 185.45 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 290.85 | 280.25 | 253.95 | 227.55 | 201.05 | 174.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 293.85 | 287.15 | 253.05 | 223.85 | 194.65 | 185.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 294.65 | 283.05 | 253.85 | 224.65 | 195.55 | 177.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 294.65 | 283.05 | 253.85 | 224.65 | 195.55 | 177.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 294.65 | 283.05 | 253.85 | 224.65 | 195.55 | 177.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 295.75 | 285.05 | 258.25 | 231.35 | 204.55 | 177.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 296.35 | 284.65 | 255.55 | 226.35 | 197.15 | 177.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 300.70 | 289.10 | 259.90 | 230.70 | 201.60 | 172.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 300.75 | 289.15 | 259.95 | 230.75 | 201.65 | 172.45 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 302.75 | 292.55 | 266.65 | 240.85 | 213.95 | 197.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 303.15 | 291.45 | 262.35 | 233.15 | 203.95 | 177.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 303.90 | 292.30 | 263.10 | 233.90 | 204.80 | 175.60 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 303.90 | 292.30 | 263.10 | 233.90 | 204.80 | 175.60 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 303.90 | 292.30 | 263.10 | 233.90 | 204.80 | 175.60 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 303.95 | 292.35 | 263.15 | 233.95 | 204.85 | 175.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 303.95 | 292.35 | 263.15 | 233.95 | 204.85 | 175.65 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 305.65 | 294.05 | 264.85 | 235.65 | 206.55 | 178.65 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 307.35 | 295.75 | 266.55 | 237.35 | 208.25 | 179.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 309.85 | 298.25 | 269.05 | 239.85 | 210.75 | 181.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 310.15 | 298.65 | 269.65 | 240.15 | 211.15 | 194.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 310.15 | 303.55 | 269.35 | 240.15 | 211.05 | 185.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 312.65 | 301.05 | 271.85 | 242.65 | 213.55 | 184.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 312.65 | 301.05 | 271.85 | 242.65 | 213.55 | 184.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 313.45 | 301.85 | 272.65 | 243.45 | 214.35 | 185.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 313.75 | 307.05 | 272.95 | 243.75 | 214.55 | 185.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 314.75 | 303.15 | 273.95 | 244.75 | 215.65 | 189.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 315.25 | 303.65 | 274.45 | 245.25 | 216.15 | 192.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 316.85 | 305.25 | 276.05 | 246.95 | 217.75 | 190.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 317.55 | 306.05 | 277.05 | 247.55 | 218.55 | 194.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 318.35 | 306.75 | 277.55 | 248.35 | 219.25 | 190.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 319.35 | 307.65 | 287.45 | 258.35 | 221.95 | 192.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 321.15 | 309.65 | 280.65 | 251.15 | 222.15 | 194.15 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 321.95 | 310.25 | 281.15 | 251.95 | 222.75 | 193.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 322.45 | 311.65 | 284.85 | 258.05 | 231.25 | 204.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 322.45 | 311.65 | 284.85 | 258.05 | 231.25 | 204.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 323.95 | 312.35 | 283.15 | 253.95 | 224.85 | 195.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 324.75 | 313.05 | 283.85 | 256.55 | 229.15 | 203.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 325.85 | 319.15 | 284.95 | 255.85 | 226.65 | 197.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 326.35 | 314.75 | 285.55 | 256.35 | 227.25 | 198.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 327.55 | 315.95 | 286.75 | 257.55 | 228.45 | 206.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 329.45 | 317.85 | 293.75 | 264.55 | 235.45 | 206.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 330.25 | 318.75 | 289.75 | 260.25 | 231.25 | 202.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 331.35 | 319.75 | 290.55 | 261.35 | 232.25 | 206.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 331.85 | 320.25 | 291.05 | 261.85 | 232.75 | 203.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 332.25 | 320.75 | 291.75 | 262.25 | 233.25 | 204.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 332.95 | 326.25 | 292.15 | 262.95 | 233.75 | 204.65 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 333.55 | 321.90 | 292.75 | 263.55 | 235.55 | 205.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 333.65 | 321.95 | 292.75 | 263.65 | 234.45 | 205.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 334.15 | 322.65 | 293.65 | 264.15 | 235.15 | 206.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 334.55 | 322.95 | 293.75 | 264.55 | 235.45 | 206.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 335.45 | 323.85 | 294.65 | 265.45 | 236.35 | 207.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 335.55 | 323.95 | 294.75 | 265.55 | 236.45 | 207.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 335.75 | 324.05 | 294.95 | 265.75 | 236.55 | 207.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 335.75 | 324.05 | 294.95 | 265.75 | 236.55 | 207.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 336.95 | 325.35 | 296.15 | 266.95 | — | 208.65 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 337.15 | 325.50 | 296.35 | 269.15 | 242.05 | 214.90 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 339.05 | 327.35 | 298.25 | 270.85 | 243.45 | 217.85 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 340.15 | 328.55 | 299.35 | 270.25 | 241.05 | 220.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 340.85 | 332.75 | 303.65 | 274.45 | 241.65 | 212.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 341.45 | 329.85 | 300.65 | 271.45 | 242.35 | 213.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 341.75 | 330.25 | 301.25 | 271.75 | 242.75 | 213.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 342.25 | 330.65 | 301.45 | 272.25 | 243.15 | 214.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 342.65 | 333.65 | 311.15 | 288.65 | 265.65 | 243.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 344.05 | 332.45 | 303.25 | 274.05 | 244.95 | 215.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 345.25 | 333.65 | 304.45 | 275.25 | 246.15 | 216.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 345.65 | 334.15 | 305.15 | 275.65 | 246.65 | 217.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 346.35 | 334.75 | 305.55 | 276.35 | 247.25 | 218.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 346.35 | 334.75 | 305.55 | 276.35 | 247.25 | 218.05 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 347.65 | 336.05 | 306.85 | 277.65 | 248.55 | 227.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 348.45 | 336.75 | 307.65 | 278.45 | 249.25 | 220.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 348.45 | 336.85 | 307.65 | 278.45 | 249.35 | 220.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 348.45 | 336.85 | 307.65 | 278.45 | 249.35 | 220.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 348.65 | 337.05 | 307.85 | 278.75 | 249.55 | 220.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 349.15 | 337.45 | 308.35 | 279.15 | 249.95 | 220.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 350.35 | 338.75 | 309.55 | 280.35 | — | 222.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 350.35 | 338.75 | 309.55 | 280.35 | — | 222.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 350.45 | 338.85 | 309.65 | 280.45 | 251.35 | 222.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 350.75 | 344.05 | 309.85 | 280.75 | 251.55 | 222.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 350.85 | 339.25 | 310.05 | 280.85 | 251.75 | 222.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 352.75 | 341.15 | 311.95 | 282.75 | 253.65 | 224.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 352.75 | 341.15 | 311.95 | 282.75 | 253.65 | 224.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 352.75 | 341.15 | 311.95 | 282.75 | 253.65 | 224.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 353.05 | 341.45 | 312.25 | 283.05 | — | 224.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 353.35 | 341.75 | 312.55 | 283.35 | 254.25 | 225.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 354.55 | 342.95 | 313.75 | 284.55 | 255.45 | 226.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 354.55 | 342.95 | 313.75 | 284.55 | 255.45 | 226.25 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 355.20 | 343.50 | 314.35 | 285.40 | 256.75 | 228.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 358.25 | 346.75 | 317.75 | 288.25 | 259.25 | 230.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 359.65 | 348.05 | 319.15 | 289.65 | 265.65 | 242.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 360.35 | 348.85 | 319.85 | 290.35 | 261.35 | 232.35 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 362.45 | 350.85 | 321.65 | 292.45 | 263.35 | 234.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 362.45 | 350.85 | 321.65 | 292.45 | 263.35 | 234.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 363.15 | 351.55 | 322.35 | 293.15 | 264.05 | 234.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 363.55 | 352.05 | 323.05 | 293.55 | 264.55 | 235.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 366.85 | 355.25 | 326.05 | 296.85 | 267.75 | 238.55 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 370.05 | 359.85 | 334.15 | 308.45 | 282.85 | 257.15 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 370.15 | 358.55 | 329.35 | 300.15 | 271.05 | 241.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 370.65 | 359.15 | 330.15 | 300.65 | 271.65 | 242.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 370.65 | 359.15 | 330.15 | 300.65 | 271.65 | 242.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 370.85 | 359.25 | 330.05 | 300.85 | 271.75 | 242.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 371.55 | 359.95 | 330.75 | 301.55 | 272.45 | 243.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 371.75 | 360.15 | 330.95 | 301.75 | — | 243.45 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 372.85 | 362.85 | 338.35 | 313.85 | 289.35 | 264.85 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 373.85 | 362.50 | 335.95 | 305.65 | 275.30 | 248.80 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 374.85 | 363.15 | 334.05 | 304.85 | 275.65 | 246.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 377.85 | 366.15 | 337.05 | 307.85 | 278.65 | 249.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 378.15 | 366.65 | 337.65 | 308.15 | 279.15 | 250.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 378.65 | 368.15 | 341.85 | 315.65 | 289.45 | 263.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 378.95 | 367.35 | 338.15 | 308.95 | 279.85 | 250.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 378.95 | 367.35 | 338.15 | 308.95 | 279.85 | 250.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 382.85 | 372.35 | 345.75 | 319.15 | 292.65 | 266.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 387.25 | 375.55 | 346.45 | 317.25 | 288.05 | 258.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 390.45 | 378.85 | 349.65 | 320.45 | — | 262.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 391.35 | 379.65 | 350.55 | 321.35 | 292.15 | 263.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 403.65 | 392.05 | 362.85 | 333.65 | 304.55 | 275.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 407.75 | 396.25 | 367.25 | 337.75 | 308.75 | 279.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 407.85 | 396.25 | 367.05 | 337.85 | 308.75 | 279.55 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 421.25 | 409.65 | 380.45 | 351.25 | 322.15 | 292.95 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 424.75 | 413.45 | 385.55 | 357.55 | 329.35 | 301.35 |

121 offers from 26 health insurers.: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Stans for a young adult aged 19 to 25?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/): Agrisano (AGRIsmart) at 262.05 CHF a month with a [deductible of 300 CHF](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-300/), and Agrisano (AGRIsmart) at 158.45 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-2500/). [With accident cover](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/): Agrisano (AGRIsmart) at 276.15 CHF, and Agrisano (AGRIsmart) at 167.05 CHF.

### How much does accident cover cost in basic insurance in Stans?

For a young adult aged 19 to 25 with Agrisano (AGRIsmart), the premium rises from 262.05 CHF a month [without accident cover](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/) to 276.15 CHF with accident cover, at the 300 CHF deductible: 14.10 CHF a month, 169.20 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 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 267.20 CHF at Agrisano (AGRIsmart) gives 262.05 CHF after redistribution.

### Until when can I change health insurer for 2026?

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.

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/nw/stans/young-adult/

## Related pages

- Without accident cover: from 158.45 to 398.95 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/
- With accident cover: from 167.05 to 424.75 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/

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