# Health insurance premiums 2026 in Ebnat-Kappel (SG), for an adult aged 26 or over who wants a deductible of 2'000 CHF with accident cover

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

In [Ebnat-Kappel](https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/) ([canton St. Gallen](https://praemiencheck.onedoc.ch/en/sg/)), in 2026, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/) with a 2'000 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/), the cheapest monthly basic insurance premium is **311.15 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 495.25 CHF with Groupe Mutuel – Philos (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (2'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 396.45 | 386.45 | 361.35 | 336.25 | 311.15 | 286.15 | +6.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 426.15 | 414.55 | 390.45 | 361.25 | 327.05 | 297.85 | +5.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 417.45 | 406.85 | 380.55 | 354.15 | 327.75 | 301.35 | +5.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 429.25 | 417.55 | 388.45 | 359.25 | 330.05 | 300.95 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 429.95 | 418.35 | 389.15 | 359.95 | 330.85 | 301.65 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 429.95 | 418.35 | 389.15 | 359.95 | 330.85 | 301.65 | +3.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 424.45 | 413.75 | 386.95 | 360.05 | 333.25 | 306.45 | +5.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 435.95 | 424.35 | 395.15 | 365.95 | 336.85 | 307.65 | +9.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 436.65 | 425.05 | 395.85 | 366.65 | 337.55 | 308.35 | +8.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 436.65 | 425.05 | 395.85 | 366.65 | 337.55 | 308.35 | +8.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 437.65 | 425.95 | 401.85 | 372.75 | 338.45 | 309.35 | +2.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 437.95 | 426.35 | 397.15 | 367.95 | 338.85 | 309.65 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 439.65 | 428.05 | 398.85 | 369.65 | 340.55 | 311.35 | +5.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 440.65 | 429.05 | 399.85 | 370.65 | 341.55 | 312.35 | New tariff 2026 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 441.05 | 429.45 | 400.25 | 371.05 | 341.95 | 312.75 | +9.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 441.15 | 429.55 | 400.35 | 371.15 | 342.05 | 312.85 | +3.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 441.45 | 429.75 | 405.75 | 376.55 | 342.25 | 313.15 | +5.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 441.95 | 430.35 | 401.15 | 371.95 | 342.85 | 321.95 | +6.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 441.95 | 430.35 | 401.15 | 371.95 | 342.85 | 313.65 | +8.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 443.75 | 432.15 | 402.95 | 373.75 | 344.65 | 315.45 | +4.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 443.75 | 432.15 | 402.95 | 373.75 | 344.65 | 315.45 | +4.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 445.75 | 434.15 | 404.95 | 375.75 | 346.65 | 317.45 | +4.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 446.35 | 434.75 | 405.55 | 376.35 | 347.25 | 318.05 | +4.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 446.35 | 434.75 | 405.55 | 376.35 | 347.25 | 318.05 | +4.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 449.35 | 437.75 | 408.55 | 379.35 | 350.25 | 321.05 | +4.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 449.85 | 438.25 | 409.15 | 379.85 | 350.75 | 321.55 | +3.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 449.85 | 438.25 | 409.15 | 379.85 | 350.75 | 321.55 | +3.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 445.25 | 433.65 | 409.55 | 380.35 | 351.15 | 322.05 | +6.5 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 451.95 | 440.35 | 411.15 | 382.05 | 352.85 | 329.95 | +9.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 452.05 | 440.45 | 411.25 | 382.05 | 352.95 | 323.75 | +4.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 452.05 | 440.45 | 411.25 | 382.05 | 352.95 | 323.75 | +4.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 453.35 | 441.75 | 412.55 | 383.35 | 354.25 | 325.05 | +5.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 453.95 | 442.35 | 413.15 | 383.95 | 354.85 | 325.65 | +9.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 442.65 | 432.55 | 407.15 | 381.85 | 356.45 | 323.35 | +5.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 456.05 | 444.45 | 415.25 | 386.05 | 356.95 | 327.75 | New tariff 2026 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 456.65 | 445.05 | 415.85 | 386.65 | 357.55 | 328.35 | +4.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 456.85 | 445.25 | 416.05 | 386.85 | 357.75 | 328.55 | +3.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 457.65 | 446.05 | 416.85 | 387.65 | 358.55 | 329.35 | +7.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 457.65 | 446.05 | 416.85 | 387.65 | 358.55 | 329.35 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 457.65 | 446.05 | 416.85 | 387.65 | 358.55 | 329.35 | +14.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 458.85 | 447.25 | 418.05 | 388.85 | 359.75 | 330.55 | +3.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 459.15 | 447.65 | 418.65 | 389.15 | 360.15 | 331.15 | +5.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 459.55 | 447.85 | 418.65 | 389.55 | 360.35 | 331.15 | +2.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 459.55 | 447.85 | 418.65 | 389.55 | 360.35 | 331.15 | +2.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 459.55 | 447.95 | 418.75 | 389.55 | 360.45 | 331.25 | +3.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 459.75 | 448.15 | 418.95 | 389.75 | 360.65 | 331.45 | +4.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 459.95 | 448.35 | 419.15 | 389.95 | 360.85 | 331.65 | +4.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 461.15 | 449.55 | 420.35 | 391.15 | 362.05 | 332.85 | 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 | 461.45 | 449.85 | 420.65 | 391.45 | 362.35 | 333.15 | +3.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 460.35 | 451.05 | 423.10 | 390.50 | 362.60 | 339.30 | +2.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 456.75 | 445.05 | 420.95 | 391.85 | 362.65 | 333.45 | +4.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 461.85 | 450.15 | 421.05 | 391.85 | 362.65 | 333.55 | +5.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 461.75 | 450.25 | 421.25 | 391.75 | 362.75 | 333.75 | +5.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 463.25 | 451.65 | 422.45 | 393.35 | 364.15 | 334.95 | +5.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 464.05 | 452.35 | 423.15 | 394.05 | 364.85 | 335.65 | −2.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 465.05 | 453.45 | 424.25 | 395.05 | 365.95 | 336.75 | +4.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 466.05 | 454.35 | 425.25 | 396.05 | 366.85 | 337.75 | −2.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 466.25 | 454.65 | 425.45 | 396.25 | 367.15 | 337.95 | New tariff 2026 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 466.25 | 454.75 | 425.75 | 396.25 | 367.25 | 338.25 | +6.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 467.55 | 455.95 | 426.75 | 397.55 | 368.45 | 339.25 | New tariff 2026 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 463.15 | 452.15 | 424.65 | 396.65 | 369.05 | 341.55 | +5.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 470.75 | 459.05 | 429.85 | 400.75 | 371.55 | 342.35 | +4.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 470.75 | 459.05 | 429.85 | 400.75 | 371.55 | 342.35 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 471.40 | 459.80 | 430.60 | 401.40 | 372.30 | 343.10 | 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 | 471.40 | 459.80 | 430.60 | 401.40 | 372.30 | 343.10 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 471.45 | 459.85 | 430.65 | 401.45 | 372.35 | 343.15 | 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 R4 | 473.45 | 461.85 | 432.65 | 403.45 | 374.35 | 345.15 | +9.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 473.55 | 462.05 | 432.75 | 403.55 | 374.45 | 349.55 | +6.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 468.95 | 457.95 | 430.45 | 402.45 | 374.85 | 347.35 | +5.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 475.85 | 464.25 | 435.05 | 405.85 | 376.75 | 347.55 | +4.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 477.05 | 465.55 | 436.55 | 407.05 | 378.05 | 349.05 | +6.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 477.05 | 465.55 | 436.55 | 407.05 | 378.05 | 349.05 | +6.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 477.75 | 466.25 | 437.25 | 407.75 | 378.75 | 349.75 | +5.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 478.75 | 467.15 | 437.95 | 408.75 | 379.65 | 350.45 | +9.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 481.55 | 469.85 | 440.75 | 411.55 | 382.35 | 353.25 | +4.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 437.65 | 425.95 | 412.05 | 398.15 | 384.25 | 355.15 | +4.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 484.85 | 475.05 | 445.65 | 416.25 | 386.85 | 357.45 | +2.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 486.25 | 474.55 | 445.35 | 416.25 | 387.05 | 357.85 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 483.45 | 471.75 | 447.65 | 418.55 | 389.35 | 360.15 | +6.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 489.35 | 477.75 | 448.55 | 419.35 | 390.25 | 361.05 | +3.5 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Glarnermed-24 | 485.35 | 474.25 | 446.55 | 418.85 | 391.15 | 363.45 | +2.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 499.85 | 493.25 | 459.05 | 429.85 | 400.75 | 371.55 | +1.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 502.85 | 491.25 | 462.05 | 432.85 | 403.75 | 374.55 | +4.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 503.75 | 492.15 | 462.95 | 433.75 | 404.65 | 375.45 | +4.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 505.45 | 493.85 | 464.65 | 435.45 | 406.35 | 377.15 | +4.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 505.85 | 499.15 | 464.95 | 435.85 | 406.65 | 377.45 | +1.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 505.85 | 499.15 | 464.95 | 435.85 | 406.65 | 377.45 | +1.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 505.85 | 499.15 | 464.95 | 435.85 | 406.65 | 377.45 | +1.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 505.95 | 494.35 | 465.15 | 435.95 | 406.85 | 377.65 | +4.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 506.45 | 494.75 | 465.65 | 436.45 | 407.25 | 378.15 | −5.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 506.85 | 495.25 | 466.05 | 436.85 | 407.75 | 378.55 | +4.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 507.25 | 495.65 | 466.45 | 437.25 | 408.15 | 378.95 | +5.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 507.35 | 495.85 | 466.85 | 437.35 | 408.35 | 379.35 | 0.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 509.55 | 497.95 | 468.75 | 439.65 | 410.45 | 381.25 | +5.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 510.35 | 498.85 | 469.85 | 440.35 | 411.35 | 382.35 | 0.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 510.65 | 499.05 | 469.85 | 440.65 | 411.55 | 382.35 | +7.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 510.85 | 499.25 | 470.05 | 440.85 | 411.75 | 382.55 | +3.5 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 511.15 | 499.50 | 470.35 | 441.15 | 412.00 | 382.85 | 0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 512.05 | 500.35 | 471.25 | 442.05 | 412.85 | 383.75 | +4.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 507.35 | 496.35 | 468.85 | 440.85 | 413.25 | 385.75 | 0.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 501.65 | 491.65 | 466.55 | 441.45 | 416.35 | 391.25 | +1.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 517.75 | 511.05 | 476.85 | 447.75 | 418.55 | 389.35 | +1.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 519.05 | 507.45 | 478.25 | 449.05 | 419.95 | 390.75 | +3.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 519.85 | 508.25 | 479.05 | 449.85 | 420.75 | 391.55 | +3.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 520.25 | 508.65 | 479.45 | 450.25 | 421.15 | 392.05 | +6.4 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 520.80 | 509.25 | 480.05 | 450.85 | 421.75 | 392.55 | +12.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 520.85 | 509.25 | 480.05 | 450.85 | 421.75 | 392.55 | +9.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 525.45 | 513.95 | 484.95 | 455.45 | 426.45 | 397.45 | +5.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 531.25 | 519.75 | 490.75 | 461.25 | 432.25 | 403.25 | 0.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 533.65 | 522.15 | 493.15 | 463.65 | 434.65 | 405.65 | +5.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 525.15 | 514.75 | 488.45 | 462.15 | 435.95 | 409.75 | +4.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 531.05 | 520.55 | 493.95 | 467.35 | 440.85 | 414.35 | +4.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 571.15 | 564.45 | 530.35 | 501.15 | 471.95 | 442.85 | +1.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 584.15 | 572.55 | 543.35 | 514.15 | 485.05 | 455.85 | +4.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 588.95 | 582.25 | 548.15 | 518.95 | 489.75 | 460.65 | +1.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 594.25 | 582.75 | 553.75 | 524.25 | 495.25 | 466.25 | 0.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 426.65 | 415.05 | 385.85 | 356.65 | — | 298.35 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 430.45 | 418.85 | 389.65 | 360.45 | — | 302.15 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 445.65 | 434.05 | 404.85 | 375.65 | — | 317.35 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 449.45 | 437.85 | 408.65 | 379.45 | — | 321.15 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 464.65 | 453.05 | 423.85 | 394.65 | — | 336.35 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 502.55 | 490.95 | 461.75 | 432.55 | — | 374.25 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Ebnat-Kappel for an adult aged 26 or over with a deductible of 2'000 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/), the cheapest offer in [Ebnat-Kappel](https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/) is Agrisano (AGRIsmart) at 311.15 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](https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/) with a deductible of 2'000 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/), monthly premiums run from 311.15 CHF (Agrisano, AGRIsmart) to 495.25 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](https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/deductible-300/) to 286.15 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/deductible-2500/): 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 2'000 CHF and with accident cover, the cheapest premium per model is: standard model 362.65 CHF (Agrisano), family doctor / HMO 327.05 CHF (SWICA), flexible model 330.05 CHF (Galenos), telemedicine 311.15 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 316.30 CHF at Agrisano (AGRIsmart) gives 311.15 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: Ebnat-Kappel is in region 3 of canton St. Gallen.
- 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/sg/ebnat-kappel/adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2026 in Ebnat-Kappel (SG): every situation: https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/
- Premiums 2026 in Ebnat-Kappel (SG), adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/
- Premiums 2026 in Ebnat-Kappel (SG), adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/child/
- Young adult: https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/young-adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/no-accident/deductible-2000/
- Deductible Premiums 2026 in Ebnat-Kappel (SG), adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/deductible-300/
- Deductible Premiums 2026 in Ebnat-Kappel (SG), adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/deductible-500/
- Deductible Premiums 2026 in Ebnat-Kappel (SG), adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/deductible-1000/
- Deductible Premiums 2026 in Ebnat-Kappel (SG), adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/deductible-1500/
- Deductible Premiums 2026 in Ebnat-Kappel (SG), adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/sg/ebnat-kappel/adult/with-accident/deductible-300/ — replace `sg` with your canton’s two-letter code (ge, vd, zh…), `ebnat-kappel` with your municipality, `adult` with `child` or `young-adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-2000` with `deductible-2500` for another deductible. Markdown version: add `.md`.