Health insurance premiums 2026 in Ebnat-Kappel (SG)For an adult aged 26 or over with accident cover
From 286.15 to 594.25 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 | 396.45 | 386.45 | 361.35 | 336.25 | 311.15 | 286.15 |
| 2 | Agrisano | AGRIcontact | 417.45 | 406.85 | 380.55 | 354.15 | 327.75 | 301.35 |
| 3 | Agrisano | AGRIeco | 424.45 | 413.75 | 386.95 | 360.05 | 333.25 | 306.45 |
| 4 |  SWICA | FAVORIT SANTE | 426.15 | 414.55 | 390.45 | 361.25 | 327.05 | 297.85 |
| 5 |  KPT | KPTwin.smart | 426.65 | 415.05 | 385.85 | 356.65 | — | 298.35 |
| 6 |  Galenos | Combi Care | 429.25 | 417.55 | 388.45 | 359.25 | 330.05 | 300.95 |
| 7 |  Assura | FeminaVita | 429.95 | 418.35 | 389.15 | 359.95 | 330.85 | 301.65 |
| 8 | Assura | PreventoMed | 429.95 | 418.35 | 389.15 | 359.95 | 330.85 | 301.65 |
| 9 | KPT | KPTwin.plus | 430.45 | 418.85 | 389.65 | 360.45 | — | 302.15 |
| 10 |  CONCORDIA | HMO | 435.95 | 424.35 | 395.15 | 365.95 | 336.85 | 307.65 |
| 11 |  Helsana | BeneFit PLUS Hausarzt R1 | 436.65 | 425.05 | 395.85 | 366.65 | 337.55 | 308.35 |
| 12 | Helsana | BeneFit PLUS Flexmed R1 | 436.65 | 425.05 | 395.85 | 366.65 | 337.55 | 308.35 |
| 13 | SWICA | FAVORIT BESTCARE | 437.65 | 425.95 | 412.05 | 398.15 | 384.25 | 355.15 |
| 14 | SWICA | FAVORIT MULTICHOICE | 437.65 | 425.95 | 401.85 | 372.75 | 338.45 | 309.35 |
| 15 |  Atupri | SmartCare | 437.95 | 426.35 | 397.15 | 367.95 | 338.85 | 309.65 |
| See all | See all | See all | See all | See all | See all | |||
In 2026, for an adult aged 26 or over in Ebnat-Kappel, with accident cover, the cheapest health insurance premium is:
- 396.45 CHF a month with a 300 CHF deductible (Agrisano, AGRIsmart)
- 286.15 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, with accident cover?
In 2026, with accident cover, the cheapest offer in Ebnat-Kappel is Agrisano (AGRIsmart) at 396.45 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 with accident cover, monthly premiums run from 396.45 CHF (Agrisano, AGRIsmart) to 594.25 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 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 396.45 CHF a month with the 300 CHF deductible to 286.15 CHF with the 2'500 CHF deductible: 110.30 CHF less a month, 1'323.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'771 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 with accident cover, the cheapest premium per model is: standard model 461.85 CHF (Agrisano), family doctor / HMO 424.45 CHF (Agrisano), flexible model 429.25 CHF (Galenos), telemedicine 396.45 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 401.60 CHF at Agrisano (AGRIsmart) gives 396.45 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.