# Health insurance premiums 2026 in Sarnen (OW), for a young adult aged 19 to 25 who wants a deductible of 1'000 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · 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 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/) with a 1'000 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/with-accident/), the cheapest monthly basic insurance premium is **239.15 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 408.05 CHF with SLKK (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (1'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 274.25 | 264.25 | 239.15 | 214.05 | 188.95 | 165.85 | +8.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 288.85 | 278.25 | 251.95 | 225.55 | 199.15 | 172.75 | +6.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 296.75 | 290.15 | 255.95 | 226.75 | 197.65 | 182.85 | +4.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 296.75 | 290.15 | 255.95 | 226.75 | 197.65 | 182.85 | +4.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 293.75 | 282.95 | 256.25 | 229.35 | 202.45 | 175.75 | +7.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 298.65 | 287.05 | 257.85 | 228.65 | 199.55 | 170.85 | −6.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 301.70 | 290.10 | 260.90 | 231.70 | 202.60 | 173.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 301.85 | 290.25 | 261.05 | 231.85 | 202.75 | 173.55 | 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 2 | 304.90 | 293.30 | 264.10 | 234.90 | 205.80 | 176.60 | 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 | 304.90 | 293.30 | 264.10 | 234.90 | 205.80 | 176.60 | 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 | 304.90 | 293.30 | 264.10 | 234.90 | 205.80 | 176.60 | New tariff 2026 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 304.95 | 293.35 | 264.15 | 234.95 | 205.85 | 181.35 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 305.05 | 293.45 | 264.25 | 235.05 | 205.95 | 176.75 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 305.05 | 293.45 | 264.25 | 235.05 | 205.95 | 176.75 | New tariff 2026 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 306.05 | 294.45 | 265.25 | 236.05 | 206.95 | 184.15 | +7.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 306.75 | 295.15 | 265.95 | 236.75 | 207.65 | 181.35 | +6.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 309.05 | 302.35 | 268.25 | 239.05 | 209.85 | 182.85 | +4.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 309.55 | 297.95 | 268.75 | 239.55 | 210.45 | 184.15 | +7.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 309.95 | 298.35 | 269.15 | 239.95 | 210.85 | 190.75 | +1.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 311.85 | 300.15 | 270.95 | 241.85 | 212.65 | 190.75 | +0.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 311.85 | 300.15 | 270.95 | 241.85 | 212.65 | 190.75 | −0.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 312.55 | 305.95 | 271.75 | 242.55 | 213.45 | 184.25 | +4.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 314.55 | 302.95 | 273.75 | 244.55 | 215.45 | 186.25 | +2.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 314.95 | 303.35 | 274.15 | 244.95 | 215.85 | 186.65 | +7.7 % |
| [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 | +18.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 316.55 | 305.05 | 276.05 | 246.55 | 217.55 | 191.35 | −0.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 317.35 | 305.75 | 276.55 | 247.35 | 218.25 | 189.05 | +4.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 319.15 | 307.45 | 278.25 | 249.15 | 219.95 | 190.75 | −0.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 314.95 | 304.65 | 278.75 | 252.95 | 225.95 | 210.45 | +3.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 319.75 | 308.05 | 278.95 | 249.75 | 220.55 | 191.45 | +6.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 321.35 | 314.65 | 280.55 | 251.35 | 222.15 | 193.05 | +4.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 322.25 | 310.65 | 281.45 | 252.25 | 223.15 | 193.95 | +7.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 322.25 | 310.65 | 281.45 | 252.25 | 223.15 | 193.95 | +0.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 322.25 | 310.65 | 281.45 | 252.25 | 223.15 | 193.95 | +5.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 322.25 | 310.65 | 281.45 | 252.25 | 223.15 | 193.95 | −11.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 322.75 | 311.05 | 281.95 | 252.75 | 223.55 | 194.45 | −0.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 319.95 | 309.15 | 282.35 | 255.55 | 228.75 | 202.05 | +2.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 319.95 | 309.15 | 282.35 | 255.55 | 228.75 | 202.05 | +2.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 324.75 | 313.15 | 283.95 | 254.75 | 225.65 | 196.45 | +5.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 325.65 | 314.15 | 285.15 | 255.65 | 226.65 | 197.65 | −0.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 325.65 | 314.15 | 285.15 | 255.65 | 226.65 | 197.65 | −0.1 % |
| [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 | +18.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 328.35 | 321.65 | 287.55 | 258.35 | 229.15 | 200.05 | +4.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 329.05 | 317.55 | 288.55 | 259.05 | 230.05 | 206.05 | +5.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 329.65 | 318.05 | 288.85 | 259.75 | 230.55 | 203.15 | +4.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 331.55 | 319.95 | 290.75 | 261.55 | 232.45 | 203.25 | +4.8 % |
| [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 | +18.2 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 334.05 | 322.35 | 293.20 | 264.05 | 234.85 | 205.70 | +4.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 325.05 | 313.35 | 293.35 | 264.15 | 227.75 | 198.55 | +6.9 % |
| [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 | +18.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 335.65 | 324.05 | 294.85 | 265.65 | 236.55 | 207.35 | +5.3 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 337.65 | 325.95 | 296.80 | 268.35 | 240.45 | 212.80 | +3.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 337.85 | 326.15 | 296.95 | 269.65 | 242.25 | 216.75 | +9.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 338.25 | 326.65 | 297.45 | 268.25 | 239.15 | 212.05 | −0.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 340.75 | 329.25 | 300.25 | 270.75 | 241.75 | 212.75 | +5.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 342.25 | 330.65 | 301.45 | 272.25 | 243.15 | 213.95 | −2.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 342.25 | 330.65 | 301.45 | 272.25 | 243.15 | 213.95 | −2.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 342.75 | 331.05 | 301.85 | 272.75 | 243.55 | 214.35 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 342.75 | 331.05 | 301.85 | 272.75 | 243.55 | 214.35 | −2.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 343.15 | 331.45 | 302.25 | 273.15 | 243.95 | 214.75 | New tariff 2026 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 343.75 | 332.15 | 302.95 | 273.75 | 244.65 | 223.75 | +12.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 343.85 | 332.25 | 303.05 | 273.85 | 244.75 | 215.55 | −2.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 345.35 | 333.85 | 304.85 | 275.35 | 246.35 | 217.35 | +8.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 345.85 | 339.25 | 305.05 | 275.85 | 246.75 | 217.55 | +4.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 346.25 | 334.65 | 305.45 | 276.25 | 247.15 | 217.95 | −2.2 % |
| [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 | +12.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 348.15 | 336.55 | 307.35 | 278.15 | 249.15 | 219.85 | +2.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 349.25 | 337.65 | 308.45 | 279.25 | 250.15 | 220.95 | +4.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 350.35 | 338.75 | 309.55 | 280.35 | 251.25 | 222.05 | −3.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 350.35 | 338.75 | 309.55 | 280.35 | 251.25 | 222.05 | New tariff 2026 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 346.95 | 338.95 | 309.75 | 280.55 | 247.75 | 218.55 | +6.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 352.45 | 340.75 | 311.55 | 284.25 | 256.85 | 231.35 | +9.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 352.45 | 340.75 | 311.55 | 282.45 | 253.25 | 224.05 | +6.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 352.45 | 340.85 | 311.65 | 282.45 | 253.35 | 224.15 | +6.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 352.45 | 340.95 | 311.95 | 282.45 | 253.45 | 224.45 | +5.1 % |
| [EGK](https://www.egk.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 | +4.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 353.25 | 341.75 | 312.75 | 283.25 | 254.25 | 225.25 | +8.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 353.25 | 341.75 | 312.75 | 283.25 | 254.25 | 225.25 | +8.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 355.55 | 343.95 | 314.75 | 285.55 | 256.45 | 227.25 | +3.8 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 355.70 | 344.00 | 314.85 | 285.70 | 256.50 | 227.35 | +4.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 358.35 | 346.85 | 317.85 | 288.35 | 259.35 | 230.35 | −0.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 359.15 | 347.55 | 318.35 | 289.15 | 260.05 | 230.85 | −0.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 359.65 | 348.05 | 318.85 | 289.65 | 260.55 | 231.35 | +6.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 362.45 | 350.85 | 321.65 | 292.45 | 263.35 | 234.15 | −2.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 362.65 | 351.05 | 321.85 | 292.75 | 263.55 | 234.35 | +3.9 % |
| [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 | +18.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 363.55 | 351.95 | 322.75 | 293.55 | 264.45 | 235.25 | +3.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 366.45 | 354.85 | 325.65 | 296.45 | 267.35 | 238.15 | −2.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 367.55 | 355.95 | 326.75 | 297.55 | 268.45 | 239.25 | +3.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 367.75 | 356.15 | 326.95 | 297.75 | — | 239.45 | +1.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 361.25 | 352.25 | 329.75 | 307.25 | 284.25 | 261.75 | +6.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 371.45 | 359.85 | 330.65 | 301.45 | 272.35 | 243.15 | +3.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 375.55 | 363.95 | 334.75 | 305.55 | 276.45 | 247.25 | +3.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 375.55 | 363.95 | 334.75 | 305.55 | 276.45 | 247.25 | +3.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 378.35 | 366.65 | 337.55 | 308.35 | 279.15 | 250.05 | −8.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 379.15 | 367.55 | 338.65 | 309.15 | 285.15 | 262.15 | +6.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 379.85 | 368.25 | 339.05 | 309.85 | 280.75 | 251.55 | +3.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 382.45 | 370.85 | 341.65 | 312.45 | 283.35 | 254.15 | +11.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 382.95 | 371.35 | 342.15 | 312.95 | — | 254.65 | +5.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 385.65 | 374.15 | 345.15 | 315.65 | 286.65 | 257.65 | +5.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 386.05 | 374.45 | 345.25 | 316.05 | — | 257.75 | +4.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 385.85 | 378.05 | 346.75 | 319.40 | 288.10 | 260.75 | +5.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 390.85 | 379.35 | 350.35 | 320.85 | 291.85 | 262.85 | +8.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 392.35 | 380.75 | 351.55 | 322.35 | 293.25 | 264.05 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 392.35 | 380.75 | 351.55 | 322.35 | 293.25 | 264.05 | +3.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 395.65 | 383.95 | 354.75 | 325.65 | 296.45 | 267.25 | +3.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 398.85 | 387.25 | 358.05 | 328.85 | 299.75 | 270.55 | −2.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 394.35 | 384.15 | 358.45 | 332.75 | 307.15 | 281.45 | +8.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 393.05 | 383.05 | 358.55 | 334.05 | 309.55 | 285.05 | +6.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 407.45 | 395.85 | 366.65 | 337.45 | — | 279.15 | +5.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 403.45 | 393.05 | 366.75 | 340.45 | 314.25 | 288.05 | +8.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 408.05 | 397.45 | 370.85 | 344.35 | 317.85 | 291.25 | +8.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 413.25 | 401.65 | 372.45 | 343.25 | 314.15 | 284.95 | +3.7 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 422.55 | 411.05 | 382.65 | 354.05 | 325.55 | 297.05 | +10.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 428.85 | 417.25 | 388.05 | 358.85 | — | 300.55 | +5.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 448.85 | 437.25 | 408.05 | 378.85 | 349.75 | 320.55 | +8.2 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Sarnen for a young adult aged 19 to 25 with a deductible of 1'000 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/with-accident/), the cheapest offer in [Sarnen](https://praemiencheck.onedoc.ch/en/ow/sarnen/) is Agrisano (AGRIsmart) at 239.15 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 273.75 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/) with a deductible of 1'000 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/with-accident/), monthly premiums run from 239.15 CHF (Agrisano, AGRIsmart) to 408.05 CHF (SLKK, Standard model): 116 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: 255.85 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Sarnen for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 274.25 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/with-accident/deductible-300/) to 165.85 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/with-accident/deductible-2500/): 108.40 CHF less a month, 1'300.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'745 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Sarnen 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 1'000 CHF and with accident cover, the cheapest premium per model is: standard model 273.75 CHF (Sanitas), family doctor / HMO 255.95 CHF (Visana), flexible model 264.25 CHF (Sanitas), telemedicine 239.15 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 244.30 CHF at Agrisano (AGRIsmart) gives 239.15 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: 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 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/ow/sarnen/young-adult/with-accident/deductible-300/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/ow/sarnen/young-adult/with-accident/deductible-300/ — replace `ow` with your canton’s two-letter code (ge, vd, zh…), `sarnen` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-1000` with `deductible-2500` for another deductible. Markdown version: add `.md`.