# Health insurance premiums 2027 in Sarnen (OW), for an adult aged 26 or over who wants a deductible of 300 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · adult (26 and over) · with accident cover · monthly premiums in CHF_

In [Sarnen](https://praemiencheck.onedoc.ch/en/ow/sarnen/) ([canton Obwalden](https://praemiencheck.onedoc.ch/en/ow/)), in 2027, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/) with a 300 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/with-accident/), the cheapest monthly basic insurance premium is **405.25 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 595.05 CHF with Groupe Mutuel – Avenir (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (300 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 405.25 | 395.15 | 369.95 | 344.75 | 319.45 | 294.25 | +7.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 422.55 | 410.95 | 381.75 | 352.55 | 323.45 | 294.25 | +3.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 423.85 | 412.20 | 383.05 | 353.85 | 324.70 | 295.55 | −0.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 423.95 | 412.25 | 388.05 | 358.85 | 324.75 | 295.55 | +1.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 425.95 | 414.35 | 385.15 | 355.95 | 326.85 | 297.65 | +0.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 428.85 | 417.20 | 388.05 | 358.85 | 329.70 | 300.55 | +3.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 428.95 | 417.35 | 388.15 | 358.95 | 329.85 | 300.65 | +4.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 428.95 | 418.25 | 391.65 | 364.95 | 338.15 | 311.55 | +7.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 429.95 | 418.35 | 389.15 | 359.95 | 330.85 | 301.65 | +3.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 430.25 | 418.65 | 389.45 | 360.25 | 331.15 | 301.95 | +0.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 430.25 | 418.65 | 389.45 | 360.25 | 331.15 | 301.95 | +1.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 431.35 | 420.55 | 393.75 | 366.95 | 340.05 | 313.25 | +6.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 431.45 | 419.85 | 390.65 | 361.45 | 332.35 | 303.15 | +4.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 434.85 | 423.25 | 394.05 | 364.85 | 335.75 | 306.55 | +3.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 435.05 | 428.45 | 394.25 | 365.05 | 335.95 | 306.75 | +4.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 435.25 | 423.65 | 394.45 | 365.25 | 336.15 | 306.95 | +0.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 436.25 | 424.65 | 400.45 | 371.25 | 347.05 | 317.85 | +1.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 436.65 | 429.95 | 395.75 | 366.65 | 337.45 | 308.25 | +3.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 439.85 | 428.25 | 399.05 | 369.85 | 340.75 | 311.55 | +4.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 439.85 | 428.25 | 399.05 | 369.85 | 340.75 | 311.55 | +4.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 440.25 | 428.65 | 399.45 | 370.25 | 341.15 | 311.95 | +2.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 440.75 | 429.15 | 399.95 | 370.75 | 341.65 | 312.45 | +0.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 441.85 | 435.15 | 400.95 | 371.85 | 342.65 | 313.45 | +3.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 442.35 | 435.65 | 401.55 | 372.35 | 343.15 | 314.05 | +3.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 442.35 | 435.65 | 401.55 | 372.35 | 343.15 | 314.05 | +3.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 445.05 | 434.95 | 409.55 | 384.15 | 358.75 | 325.65 | +4.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 445.25 | 433.65 | 404.45 | 375.25 | 346.15 | 316.95 | +1.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 446.25 | 434.65 | 405.45 | 376.25 | — | 317.95 | −1.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 446.25 | 434.55 | 410.35 | 381.15 | 347.05 | 317.85 | +1.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 446.25 | 434.55 | 410.35 | 381.15 | 347.05 | 317.85 | New tariff 2027 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 446.35 | 434.75 | 405.55 | 376.35 | 347.25 | 318.05 | +4.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 446.65 | 435.05 | 405.85 | 376.65 | 347.55 | 318.35 | +1.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 447.55 | 436.75 | 409.95 | 383.15 | 356.35 | 329.55 | +3.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 447.55 | 436.75 | 409.95 | 383.15 | 356.35 | 329.55 | +3.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 448.25 | 436.65 | 407.45 | 378.25 | 349.15 | 319.95 | +0.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 448.80 | 437.15 | 408.00 | 378.80 | 349.65 | 320.50 | +3.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 453.05 | 441.55 | 412.55 | 383.05 | 354.05 | 325.05 | +2.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 453.15 | 441.55 | 412.35 | 383.15 | 354.05 | 324.85 | +0.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 453.80 | 442.15 | 413.00 | 383.80 | 354.65 | 325.50 | +3.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 455.25 | 443.65 | 414.45 | 385.25 | 356.15 | 326.95 | +0.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 455.25 | 443.65 | 414.45 | 385.25 | 356.15 | 326.95 | −1.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 455.95 | 444.95 | 417.45 | 389.45 | 361.85 | 334.35 | +4.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 456.15 | 449.45 | 425.15 | 396.05 | 366.85 | 337.65 | +1.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 458.75 | 447.10 | 417.95 | 388.75 | 359.60 | 330.45 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 458.75 | 447.10 | 417.95 | 388.75 | 359.60 | 330.45 | +3.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 458.75 | 447.10 | 417.95 | 388.75 | 359.60 | 330.45 | +3.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 459.45 | 447.75 | 418.55 | 389.45 | 360.25 | 331.05 | +4.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 459.85 | 448.25 | 419.05 | 389.85 | 360.75 | 331.55 | +7.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 460.75 | 449.25 | 420.25 | 390.75 | 361.75 | 332.75 | +2.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 460.75 | 449.75 | 422.25 | 394.25 | 366.65 | 339.15 | +4.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 462.55 | 450.95 | 421.75 | 392.55 | 363.45 | 338.25 | +7.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 462.55 | 450.95 | 421.75 | 392.55 | 363.45 | 346.25 | +7.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 462.65 | 450.95 | 421.75 | 392.65 | 363.45 | 334.25 | +5.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 463.45 | 451.95 | 422.95 | 393.45 | 364.45 | 335.45 | +4.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 465.65 | 454.05 | 424.85 | 395.75 | 366.55 | 337.35 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 466.05 | 459.35 | 435.15 | 405.95 | 376.75 | 347.65 | +1.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 466.15 | 454.55 | 425.35 | 396.15 | 367.05 | 337.85 | +4.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 466.45 | 454.85 | 425.65 | 396.45 | — | 338.15 | −1.9 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 466.55 | 454.95 | 425.75 | 396.55 | 367.45 | 341.55 | +2.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 469.25 | 457.55 | 428.45 | 399.25 | 370.05 | 340.95 | +6.5 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 470.10 | 458.40 | 429.25 | 400.10 | 370.90 | 341.75 | +5.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 470.45 | 458.85 | 429.65 | 400.45 | — | 342.15 | −1.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 471.95 | 460.35 | 431.15 | 401.95 | 372.85 | 343.65 | +4.2 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Casa | 474.75 | 463.15 | 433.95 | 404.75 | 375.65 | 349.75 | +2.0 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 475.15 | 463.50 | 434.30 | 405.15 | 376.00 | 346.80 | +5.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 479.35 | 467.75 | 438.55 | 409.35 | 380.25 | 351.05 | New tariff 2027 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 482.55 | 471.05 | 442.05 | 412.55 | 383.55 | 354.55 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 484.35 | 472.65 | 443.55 | 414.35 | 385.15 | 356.05 | +5.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 484.85 | 473.25 | 444.05 | 414.85 | 385.75 | 356.55 | +4.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 485.65 | 474.05 | 444.85 | 415.65 | 386.55 | 357.35 | +4.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 485.65 | 474.05 | 444.85 | 415.65 | 386.55 | 357.35 | +4.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 486.35 | 474.75 | 445.55 | 416.35 | 387.25 | 358.05 | +3.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 486.65 | 475.05 | 445.85 | 416.65 | — | 358.35 | −4.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 486.85 | 475.25 | 446.05 | 416.85 | 387.75 | 358.55 | +3.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 487.45 | 475.85 | 446.65 | 417.45 | 388.35 | 359.15 | +14.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 488.55 | 481.85 | 447.65 | 418.55 | 389.35 | 360.15 | +3.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 490.25 | 478.65 | 449.45 | 420.25 | 391.15 | 361.95 | +0.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 490.35 | 478.65 | 449.45 | 420.35 | 391.15 | 361.95 | +14.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 490.35 | 478.65 | 449.45 | 420.35 | 391.15 | 361.95 | +14.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 490.75 | 479.15 | 449.95 | 420.75 | 391.65 | 362.45 | +1.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 490.95 | 479.35 | 450.15 | 420.95 | 391.85 | 362.65 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 493.65 | 482.00 | 452.85 | 423.65 | 394.50 | 365.35 | +3.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 494.25 | 482.65 | 453.45 | 424.25 | 395.15 | 365.95 | +4.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 495.25 | 483.65 | 454.45 | 425.25 | 396.15 | 366.95 | −1.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 495.25 | 483.55 | 454.35 | 425.25 | 396.05 | 366.85 | +5.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 495.65 | 484.05 | 454.85 | 425.65 | 396.55 | 367.35 | +4.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 496.65 | 486.15 | 459.15 | 432.65 | 405.65 | 378.65 | +4.0 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 500.40 | 488.75 | 459.55 | 430.40 | 401.25 | 372.05 | +5.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 501.75 | 490.05 | 460.85 | 431.75 | 402.55 | 373.35 | +14.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 506.75 | 495.25 | 466.25 | 436.75 | 407.75 | 378.75 | +2.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 507.35 | 495.75 | 466.55 | 437.35 | 408.25 | 379.05 | +14.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 507.35 | 497.15 | 471.45 | 445.75 | 420.15 | 394.45 | +5.1 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 508.55 | 497.25 | 468.65 | 440.05 | 411.65 | 383.05 | +2.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 511.55 | 499.85 | 470.65 | 441.55 | 412.35 | 383.15 | +5.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 511.55 | 499.85 | 470.65 | 441.55 | 412.35 | 383.15 | +5.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 512.05 | 500.45 | 471.25 | 442.05 | 412.95 | 383.75 | +4.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 512.05 | 500.45 | 471.25 | 442.05 | 412.95 | 383.75 | +4.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 512.15 | 500.55 | 471.35 | 442.25 | 413.05 | 383.85 | +4.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 514.45 | 507.75 | 473.65 | 444.45 | 415.25 | 386.15 | +3.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 518.95 | 508.55 | 482.25 | 455.95 | 429.75 | 403.45 | +5.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 521.15 | 509.55 | 482.15 | 454.15 | 426.15 | 398.15 | +4.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 523.15 | 512.15 | 484.65 | 456.65 | 429.05 | 401.55 | +4.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 523.25 | 512.70 | 486.30 | 454.60 | 428.20 | 396.55 | +3.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 524.75 | 514.25 | 487.65 | 461.05 | 434.55 | 408.05 | +5.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 526.15 | 514.65 | 485.65 | 456.15 | 427.15 | 398.15 | +4.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 526.25 | 514.65 | 485.45 | 456.25 | 427.15 | 397.95 | +7.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 526.95 | 515.35 | 486.15 | 456.95 | — | 398.65 | −2.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 532.15 | 520.65 | 491.65 | 462.15 | 433.15 | 404.15 | +4.5 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 536.95 | 525.35 | 496.15 | 466.95 | 437.85 | 408.65 | +2.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 538.65 | 526.95 | 497.85 | 468.65 | 439.45 | 410.35 | +5.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 539.15 | 527.55 | 498.35 | 469.15 | 440.05 | 410.85 | +4.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 539.65 | 528.15 | 499.15 | 469.65 | 440.65 | 411.65 | +4.5 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 540.15 | 528.55 | 499.35 | 470.15 | 441.05 | 412.15 | +4.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 542.55 | 530.85 | 501.75 | 472.55 | 443.35 | 414.25 | +4.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 564.25 | 552.65 | 523.45 | 494.25 | 465.15 | 435.95 | +14.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 577.15 | 565.55 | 536.35 | 507.15 | 478.05 | 448.85 | +5.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 595.05 | 583.55 | 554.55 | 525.05 | 496.05 | 467.05 | +4.5 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Sarnen for an adult aged 26 or over with a deductible of 300 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/with-accident/), the cheapest offer in [Sarnen](https://praemiencheck.onedoc.ch/en/ow/sarnen/) is Agrisano (AGRIsmart) at 405.25 CHF a month.

### How much does health insurance cost in Sarnen in 2027 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/) with a deductible of 300 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/with-accident/), monthly premiums run from 405.25 CHF (Agrisano, AGRIsmart) to 595.05 CHF (Groupe Mutuel – Avenir, Standard model): 117 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: 381.95 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Sarnen for an adult aged 26 or over with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 405.25 CHF a month with the 300 CHF deductible to 294.25 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/with-accident/deductible-2500/): 111.00 CHF less a month, 1'332.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'780 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Sarnen for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 300 CHF and with accident cover, the cheapest premium per model is: standard model 469.25 CHF (Agrisano), family doctor / HMO 422.55 CHF (CONCORDIA), flexible model 440.25 CHF (Helsana), telemedicine 405.25 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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 410.00 CHF at Agrisano (AGRIsmart) gives 405.25 CHF after redistribution.

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

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

## 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: Sarnen is in region 0 of canton Obwalden.
- 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 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Sarnen (OW): every situation: https://praemiencheck.onedoc.ch/en/ow/sarnen/
- Premiums 2027 in Sarnen (OW), adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/
- Premiums 2027 in Sarnen (OW), adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/ow/sarnen/child/
- Young adult: https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/no-accident/deductible-300/
- Deductible Premiums 2027 in Sarnen (OW), adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/with-accident/deductible-500/
- Deductible Premiums 2027 in Sarnen (OW), adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/with-accident/deductible-1000/
- Deductible Premiums 2027 in Sarnen (OW), adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/with-accident/deductible-1500/
- Deductible Premiums 2027 in Sarnen (OW), adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/with-accident/deductible-2000/
- Deductible Premiums 2027 in Sarnen (OW), adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ow/sarnen/adult/with-accident/deductible-2500/

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