# Health insurance premiums 2026 in Stans (NW), for a young adult aged 19 to 25 who wants a deductible of 1'500 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · without accident cover · monthly premiums in CHF_

In [Stans](https://praemiencheck.onedoc.ch/en/nw/stans/) ([canton Nidwalden](https://praemiencheck.onedoc.ch/en/nw/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/) with a 1'500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/), the cheapest monthly basic insurance premium is **202.25 CHF** with **Visana** (Managed Care model) and the most expensive is 335.85 CHF with Einsiedler Krankenkasse (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (1'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [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 | −1.0 % |
| [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 | +5.7 % |
| [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 | +2.3 % |
| [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 | +3.1 % |
| [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 | +5.5 % |
| [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 | −1.0 % |
| [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 | −0.7 % |
| [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 | New tariff 2026 |
| [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 | New tariff 2026 |
| [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 | +4.5 % |
| [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 | −2.7 % |
| [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 | New tariff 2026 |
| [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 | New tariff 2026 |
| [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 | New tariff 2026 |
| [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 | New tariff 2026 |
| [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 | New tariff 2026 |
| [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 | +4.5 % |
| [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 | −3.4 % |
| [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 | +10.5 % |
| [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 | +4.6 % |
| [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 | +4.4 % |
| [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 | −1.0 % |
| [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 | +6.2 % |
| [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 | +4.8 % |
| [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 | −1.0 % |
| [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 | +12.3 % |
| [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 | +4.5 % |
| [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 | +10.5 % |
| [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 | +4.5 % |
| [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 | +4.5 % |
| [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 | +8.7 % |
| [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 | +10.4 % |
| [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 | +8.7 % |
| [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 | +12.2 % |
| [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 | +2.0 % |
| [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 | −0.9 % |
| [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 | +4.5 % |
| [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 | +9.2 % |
| [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 | +4.2 % |
| [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 | +4.2 % |
| [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 | +8.7 % |
| [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 | +0.6 % |
| [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 | +8.4 % |
| [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 | +5.2 % |
| [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 | +12.1 % |
| [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 | +10.3 % |
| [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 | −0.6 % |
| [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 | +8.3 % |
| [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 | −0.9 % |
| [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 | +8.4 % |
| [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 | −9.4 % |
| [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 | −0.7 % |
| [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 | +12.1 % |
| [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 | +6.6 % |
| [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 | −1.5 % |
| [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 | +0.6 % |
| [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 | +0.6 % |
| [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 | +1.9 % |
| [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 | +14.2 % |
| [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 | +8.3 % |
| [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 | +5.8 % |
| [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 | +2.7 % |
| [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 | New tariff 2026 |
| [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 | +0.6 % |
| [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 | +18.7 % |
| [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 | +8.3 % |
| [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 | +1.2 % |
| [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 | +1.2 % |
| [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 | +4.4 % |
| [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 | +20.7 % |
| [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 | +4.4 % |
| [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 | +6.3 % |
| [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 | +6.3 % |
| [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 | +6.3 % |
| [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 | +1.4 % |
| [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 | +2.4 % |
| [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 | New tariff 2026 |
| [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 | +1.3 % |
| [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 | +4.2 % |
| [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 | −0.9 % |
| [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 | New tariff 2026 |
| [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 | +18.5 % |
| [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 | +18.5 % |
| [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 | +1.4 % |
| [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 | +0.6 % |
| [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 | −0.1 % |
| [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 | New tariff 2026 |
| [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 | +5.4 % |
| [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 | +6.4 % |
| [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 | +7.2 % |
| [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 | +7.5 % |
| [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 | +5.4 % |
| [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 | +11.9 % |
| [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 | +10.1 % |
| [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 | +4.6 % |
| [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 | +1.2 % |
| [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 | +6.9 % |
| [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 | +5.4 % |
| [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 | +5.4 % |
| [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 | +1.2 % |
| [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 | +18.3 % |
| [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 | +2.4 % |
| [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 | +13.9 % |
| [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 | +4.6 % |
| [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 | +8.1 % |
| [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 | −4.9 % |
| [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 | +4.6 % |
| [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 | +4.6 % |
| [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 | +8.4 % |
| [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 | +7.2 % |
| [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 | +4.5 % |
| [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 | +8.4 % |
| [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 | +2.4 % |
| [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 | +8.4 % |
| [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 | +4.6 % |
| [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 | +6.3 % |
| [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 | +1.2 % |
| [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 | +5.2 % |
| [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 | +4.5 % |
| [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 | +8.4 % |
| [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 | +11.5 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Stans for a young adult aged 19 to 25 with a deductible of 1'500 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/), the cheapest offer in [Stans](https://praemiencheck.onedoc.ch/en/nw/stans/) is Visana (Managed Care) at 202.25 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 226.35 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/) with a deductible of 1'500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/), monthly premiums run from 202.25 CHF (Visana, Managed Care) to 335.85 CHF (Einsiedler Krankenkasse, Standard model): 121 offers from 26 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 256.65 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Visana, Managed Care), the premium goes from 267.65 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-300/) to 173.05 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-2500/): 94.60 CHF less a month, 1'135.20 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'561 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Stans for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 1'500 CHF and without accident cover, the cheapest premium per model is: standard model 226.35 CHF (Sanitas), family doctor / HMO 202.25 CHF (Visana), flexible model 208.65 CHF (Sympany), telemedicine 204.85 CHF (Agrisano).

### Why is the FOPH-approved premium higher than the price shown?

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 207.40 CHF at Visana (Managed Care) gives 202.25 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.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Stans is in region 0 of canton Nidwalden.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

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/no-accident/deductible-300/

## Related pages

- Health insurance premiums 2026 in Stans (NW): every situation: https://praemiencheck.onedoc.ch/en/nw/stans/
- Premiums 2026 in Stans (NW), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/
- Premiums 2026 in Stans (NW), young adult, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/
- Child: https://praemiencheck.onedoc.ch/en/nw/stans/child/
- Adult: https://praemiencheck.onedoc.ch/en/nw/stans/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2026 in Stans (NW), young adult, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-300/
- Deductible Premiums 2026 in Stans (NW), young adult, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-500/
- Deductible Premiums 2026 in Stans (NW), young adult, deductible of 1'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-1000/
- Deductible Premiums 2026 in Stans (NW), young adult, deductible of 2'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-2000/
- Deductible Premiums 2026 in Stans (NW), young adult, deductible of 2'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/nw/stans/young-adult/no-accident/deductible-300/ — replace `nw` with your canton’s two-letter code (ge, vd, zh…), `stans` with your municipality, `young-adult` with `child` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-1500` with `deductible-2500` for another deductible. Markdown version: add `.md`.