# Health insurance premiums 2026 in Gaiserwald (SG), for a young adult aged 19 to 25 without accident cover

In 2026, for a young adult aged 19 to 25 in Gaiserwald, without accident cover, the cheapest health insurance premium is:

- **310.55 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-300/) (CSS, Hausarztversicherung Profit)
- **191.15 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-2500/) (CSS, Hausarztversicherung Profit)

## Without accident cover: from 191.15 to 505.15 CHF a month depending on the deductible and the model

122 offers from 25 health insurers. With a deductible of 300 CHF, the cheapest is **310.55 CHF** a month with **CSS** (Hausarztversicherung Profit), the most expensive 505.15 CHF with SLKK (Standard model).

Lowest premium:
- 300 CHF: 310.55 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-300/
- 500 CHF: 299.75 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-500/
- 1'000 CHF: 272.55 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 245.45 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 218.35 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 191.15 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 310.55 | 299.75 | 272.55 | 245.45 | 218.35 | 191.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 319.05 | 308.25 | 281.10 | 253.90 | 226.80 | 199.60 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 319.15 | 308.35 | 281.15 | 253.95 | 226.95 | 199.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 319.95 | 309.15 | 281.95 | 254.85 | 227.75 | 206.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 319.95 | 309.15 | 281.95 | 254.85 | 227.75 | 206.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 320.55 | 309.75 | 282.65 | 255.45 | 228.35 | 201.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 322.40 | 311.60 | 284.45 | 257.25 | 230.15 | 203.00 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 322.40 | 311.60 | 284.45 | 257.25 | 230.15 | 203.00 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 322.40 | 311.60 | 284.45 | 257.25 | 230.15 | 203.00 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 322.45 | 311.65 | 284.55 | 257.35 | 230.25 | 210.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 322.45 | 311.65 | 284.55 | 257.35 | 230.25 | 203.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 322.65 | 311.85 | 284.65 | 257.45 | 230.35 | 203.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 322.65 | 311.85 | 284.65 | 257.45 | 230.35 | 203.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 329.85 | 319.05 | 291.95 | 264.75 | 237.75 | 210.55 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 329.85 | 319.05 | 291.95 | 264.75 | 237.75 | 210.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 330.05 | 319.25 | 292.15 | 264.95 | 237.95 | 210.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 330.05 | 319.25 | 292.15 | 264.95 | 237.95 | 210.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 330.05 | 319.25 | 292.15 | 264.95 | 237.95 | 210.75 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 331.55 | 321.45 | 296.45 | 271.35 | 246.25 | 221.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 332.65 | 321.85 | 294.65 | 267.45 | 240.45 | 213.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 332.95 | 322.15 | 295.05 | 267.85 | 240.75 | 213.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 332.95 | 322.15 | 295.05 | 267.85 | 240.75 | 213.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 334.35 | 325.05 | 301.35 | 277.75 | 254.15 | 225.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 335.45 | 324.65 | 297.55 | 270.35 | 243.35 | 216.15 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 337.15 | 326.85 | 301.45 | 275.95 | 250.45 | 224.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 339.85 | 328.85 | 301.25 | 273.65 | 246.15 | 218.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 339.85 | 329.05 | 305.95 | 278.85 | 247.65 | 220.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 339.95 | 329.15 | 302.05 | 274.85 | 247.75 | 220.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 341.05 | 330.35 | 303.15 | 276.05 | 248.95 | 222.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 341.95 | 331.15 | 304.05 | 276.85 | 249.75 | 222.65 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 343.55 | 332.45 | 304.75 | 277.05 | 249.35 | 221.65 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 343.85 | 332.95 | 305.35 | 277.75 | 250.25 | 222.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 344.15 | 334.15 | 309.25 | 284.35 | 259.35 | 234.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 344.15 | 334.15 | 309.25 | 284.35 | 259.35 | 234.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 344.75 | 333.95 | 306.85 | 279.65 | 252.65 | 225.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 345.65 | 334.95 | 307.95 | 280.55 | 253.55 | 226.65 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 347.65 | 336.95 | 309.95 | 282.55 | 255.55 | 228.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 348.65 | 342.45 | 310.55 | 283.25 | 256.05 | 228.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 349.05 | 338.15 | 321.15 | 294.05 | 258.85 | 231.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 349.85 | 339.05 | 311.95 | 284.85 | 257.75 | 231.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 350.45 | 339.65 | 312.35 | 285.05 | 257.85 | 230.55 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 350.45 | 339.65 | 312.35 | 285.05 | 257.85 | 230.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 351.45 | 340.45 | 312.75 | 284.95 | 257.35 | 229.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 352.45 | 341.65 | 314.55 | 287.35 | 260.35 | 233.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 353.45 | 342.45 | 314.75 | 286.95 | 259.35 | 231.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 353.65 | 347.45 | 315.55 | 288.25 | 261.05 | 233.75 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 353.95 | 343.05 | 315.45 | 287.85 | 260.35 | 232.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 354.75 | 343.95 | 316.75 | 289.65 | 262.55 | 235.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 354.75 | 343.95 | 316.75 | 289.65 | 262.55 | 235.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 354.75 | 343.95 | 316.75 | 289.65 | 262.55 | 235.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 354.75 | 343.95 | 316.75 | 289.65 | 262.55 | 235.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 355.95 | 345.15 | 317.95 | 290.85 | 263.75 | 236.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 356.55 | 345.75 | 318.65 | 291.45 | 264.45 | 237.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 358.25 | 347.55 | 320.65 | 293.15 | 266.15 | 239.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 359.75 | 349.05 | 322.05 | 294.65 | 267.65 | 240.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 360.15 | 349.35 | 338.45 | 323.45 | 308.55 | 281.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 360.25 | 349.25 | 321.45 | 293.75 | 266.05 | 238.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 360.35 | 349.65 | 322.65 | 295.25 | 268.25 | 241.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 360.65 | 349.55 | 321.85 | 294.15 | 266.45 | 238.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 362.25 | 351.45 | 324.25 | 297.15 | — | 242.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 362.35 | 351.75 | 324.75 | 297.25 | 270.35 | 243.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 363.75 | 353.05 | 326.15 | 298.65 | 271.75 | 244.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 365.35 | 354.55 | 327.45 | 300.25 | — | 246.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 366.85 | 355.75 | 328.15 | 300.35 | 272.65 | 244.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 367.05 | 356.25 | 329.15 | 301.95 | 274.95 | 247.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 367.25 | 360.45 | 333.35 | 306.25 | 275.05 | 247.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 367.35 | 356.55 | 329.45 | 302.25 | 275.25 | 248.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 367.35 | 356.55 | 329.45 | 302.25 | 275.25 | 248.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 367.45 | 356.55 | 329.25 | 302.05 | 274.75 | 247.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 370.65 | 359.95 | 332.95 | 305.55 | 278.55 | 251.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 373.15 | 368.15 | 335.25 | 313.35 | 292.35 | 253.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 373.95 | 363.05 | 335.75 | 308.45 | 281.25 | 253.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 374.35 | 363.55 | 336.35 | 311.35 | 286.25 | 263.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 374.35 | 363.45 | 336.15 | 308.85 | 281.65 | 254.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 374.45 | 363.75 | 336.55 | 309.45 | 282.35 | 255.25 |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Glarnermed-24 | 374.65 | 364.25 | 338.15 | 312.15 | 286.05 | 259.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 375.35 | 364.55 | 337.45 | 310.25 | 283.15 | 256.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 375.85 | 364.95 | 337.75 | 310.75 | 283.55 | 256.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 377.05 | 370.85 | 338.85 | 311.65 | 284.35 | 257.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 377.75 | 366.95 | 339.75 | 312.65 | — | 258.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 378.35 | 367.45 | 340.15 | 312.95 | 285.65 | 258.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 378.75 | 372.45 | 340.55 | 313.25 | 286.05 | 258.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 380.15 | 369.35 | 342.15 | 315.05 | 287.95 | 260.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 380.85 | 370.05 | 342.85 | 315.75 | — | 261.45 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 383.45 | 372.65 | 345.35 | 318.05 | 290.85 | 263.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 383.55 | 372.65 | 345.45 | 318.15 | 290.95 | 263.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 384.25 | 373.55 | 346.35 | 319.15 | 292.15 | 264.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 384.95 | 374.15 | 346.95 | 319.95 | 292.75 | 265.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 387.95 | 377.15 | 349.95 | 322.85 | 295.75 | 268.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 390.25 | 379.35 | 352.05 | 324.75 | 297.55 | 270.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 390.25 | 379.35 | 352.05 | 324.75 | 297.55 | 270.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 391.25 | 384.95 | 353.05 | 325.75 | 298.55 | 271.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 391.65 | 380.95 | 354.05 | 326.55 | 299.65 | 272.65 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 393.25 | 382.25 | 354.55 | 326.75 | 299.15 | 271.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 393.25 | 382.45 | 355.35 | 328.15 | — | 273.95 |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 394.60 | 383.65 | 356.20 | 328.80 | 301.40 | 273.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 397.55 | 386.65 | 359.35 | 332.05 | 304.85 | 277.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 398.05 | 387.35 | 360.35 | 332.95 | 305.95 | 279.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 398.35 | 387.35 | 359.75 | 332.15 | 304.65 | 277.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 398.95 | 388.05 | 360.75 | 333.55 | 306.25 | 278.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 399.55 | 393.35 | 361.35 | 334.15 | 306.85 | 279.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 400.75 | 389.95 | 362.75 | 335.65 | 308.55 | 281.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 400.75 | 389.95 | 362.75 | 335.65 | 308.55 | 281.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 400.95 | 390.25 | 363.25 | 335.85 | 308.85 | 281.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 403.05 | 392.15 | 364.95 | 337.65 | 310.45 | 283.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 405.25 | 394.35 | 367.05 | 339.85 | 312.55 | 285.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 405.65 | 394.95 | 367.95 | 340.55 | 313.55 | 286.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 407.85 | 397.15 | 370.15 | 342.75 | 315.75 | 288.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 412.05 | 405.85 | 373.85 | 346.65 | 319.35 | 292.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 418.25 | 407.45 | 380.25 | 353.15 | 326.05 | 298.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 419.55 | 408.85 | 381.85 | 354.45 | 327.45 | 300.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 420.25 | 409.35 | 382.15 | 354.85 | 327.55 | 300.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 424.25 | 413.45 | 386.25 | 359.15 | — | 304.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 424.55 | 413.65 | 386.35 | 359.15 | 331.85 | 304.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 433.75 | 424.35 | 400.75 | 377.15 | 353.65 | 330.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 454.15 | 444.35 | 419.65 | 394.95 | 370.35 | 345.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 458.95 | 448.25 | 421.35 | 393.85 | 366.85 | 339.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 459.25 | 449.35 | 424.35 | 399.35 | 374.45 | 349.55 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 460.05 | 450.75 | 422.80 | 394.95 | 362.35 | 334.45 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 467.25 | 456.35 | 428.85 | 401.45 | 374.05 | 346.65 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 483.90 | 474.10 | 444.80 | 415.40 | 386.10 | 356.75 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 505.15 | 494.25 | 466.85 | 439.35 | 412.05 | 384.55 |

122 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Gaiserwald for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?

In 2026, without accident cover, the cheapest offer in [Gaiserwald](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/) is CSS (Hausarztversicherung Profit) at 310.55 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 332.65 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/) with a deductible of 300 CHF and without accident cover, monthly premiums run from 310.55 CHF (CSS, Hausarztversicherung Profit) to 505.15 CHF (SLKK, 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: 296.65 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Gaiserwald for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 310.55 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-300/) to 191.15 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/deductible-2500/): 119.40 CHF less a month, 1'432.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'892 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Gaiserwald 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 300 CHF and without accident cover, the cheapest premium per model is: standard model 332.65 CHF (Sanitas), family doctor / HMO 310.55 CHF (CSS), flexible model 319.95 CHF (Assura), telemedicine 319.15 CHF (Sanitas).

### 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 315.70 CHF at CSS (Hausarztversicherung Profit) gives 310.55 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.

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/gaiserwald/young-adult/no-accident/

## Related pages

- Without accident cover: from 191.15 to 505.15 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/

Address of this page: praemiencheck.onedoc.ch/en/sg/gaiserwald/young-adult/no-accident/ — replace `sg` with your canton’s two-letter code (ge, vd, zh…) and `gaiserwald` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.