Health insurance premiums 2026 in Ebnat-Kappel (SG)For an adult aged 26 or over without accident cover
From 271.55 to 552.25 CHF a month depending on the deductible and the model
122 offers from 25 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Agrisano | AGRIsmart | 376.35 | 366.85 | 343.05 | 319.15 | 295.35 | 271.55 |
| 2 |  SWICA | FAVORIT SANTE | 396.05 | 385.15 | 362.75 | 335.65 | 303.75 | 276.65 |
| 3 | Agrisano | AGRIcontact | 396.35 | 386.25 | 361.25 | 336.15 | 311.15 | 286.05 |
| 4 |  KPT | KPTwin.smart | 396.45 | 385.65 | 358.45 | 331.35 | — | 277.15 |
| 5 |  Assura | FeminaVita | 399.55 | 388.75 | 361.55 | 334.45 | 307.35 | 280.25 |
| 6 | Assura | PreventoMed | 399.55 | 388.75 | 361.55 | 334.45 | 307.35 | 280.25 |
| 7 | KPT | KPTwin.plus | 399.95 | 389.15 | 362.05 | 334.85 | — | 280.65 |
| 8 |  Galenos | Combi Care | 400.85 | 389.95 | 362.75 | 335.45 | 308.15 | 280.95 |
| 9 | Agrisano | AGRIeco | 402.95 | 392.85 | 367.35 | 341.75 | 316.35 | 290.85 |
| 10 |  Helsana | BeneFit PLUS Hausarzt R1 | 405.75 | 394.95 | 367.85 | 340.65 | 313.65 | 286.45 |
| 11 | Helsana | BeneFit PLUS Flexmed R1 | 405.75 | 394.95 | 367.85 | 340.65 | 313.65 | 286.45 |
| 12 | SWICA | FAVORIT BESTCARE | 406.65 | 395.85 | 382.85 | 369.95 | 357.05 | 329.85 |
| 13 | SWICA | FAVORIT MULTICHOICE | 406.65 | 395.85 | 373.45 | 346.25 | 314.45 | 287.35 |
| 14 |  Sanitas | Family doctor 1 | 409.90 | 399.10 | 371.90 | 344.70 | 317.65 | 290.45 |
| 15 |  CSS | Hausarztversicherung Profit | 409.95 | 399.15 | 372.05 | 344.85 | 317.75 | 290.65 |
| See all | See all | See all | See all | See all | See all | |||
In 2026, for an adult aged 26 or over in Ebnat-Kappel, without accident cover, the cheapest health insurance premium is:
- 376.35 CHF a month with a 300 CHF deductible (Agrisano, AGRIsmart)
- 271.55 CHF a month with a 2'500 CHF deductible (Agrisano, AGRIsmart)
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Frequently asked questions
Which health insurance is the cheapest in Ebnat-Kappel for an adult aged 26 or over with a deductible of 300 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in Ebnat-Kappel is Agrisano (AGRIsmart) at 376.35 CHF a month.
How much does health insurance cost in Ebnat-Kappel in 2026 for an adult aged 26 or over?
For an adult aged 26 or over with a deductible of 300 CHF and without accident cover, monthly premiums run from 376.35 CHF (Agrisano, AGRIsmart) to 552.25 CHF (Groupe Mutuel – Philos, Standard model): 122 offers from 25 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: 376.65 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in Ebnat-Kappel for an adult aged 26 or over without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 376.35 CHF a month with the 300 CHF deductible to 271.55 CHF with the 2'500 CHF deductible: 104.80 CHF less a month, 1'257.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'697 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in Ebnat-Kappel 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 without accident cover, the cheapest premium per model is: standard model 438.55 CHF (Agrisano), family doctor / HMO 396.05 CHF (SWICA), flexible model 399.55 CHF (Assura), telemedicine 376.35 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 381.50 CHF at Agrisano (AGRIsmart) gives 376.35 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.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.