# Health insurance premiums 2027 in Grabs (SG), for a young adult aged 19 to 25 who wants a deductible of 500 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · without accident cover · monthly premiums in CHF_

In [Grabs](https://praemiencheck.onedoc.ch/en/sg/grabs/) ([canton St. Gallen](https://praemiencheck.onedoc.ch/en/sg/)), in 2027, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/) with a 500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/), the cheapest monthly basic insurance premium is **283.10 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 438.40 CHF with Groupe Mutuel – Philos (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 292.70 | 283.10 | 259.20 | 235.20 | 211.20 | 187.20 | +5.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 304.70 | 293.90 | 266.80 | 239.60 | 212.60 | 197.40 | +6.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 304.70 | 293.90 | 266.80 | 239.60 | 212.60 | 197.40 | +6.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 306.90 | 296.10 | 268.90 | 241.80 | 214.70 | 195.30 | +1.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 309.60 | 299.40 | 274.20 | 248.80 | 223.40 | 198.10 | +5.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 311.00 | 300.20 | 273.00 | 245.90 | 218.80 | 191.70 | +7.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 311.30 | 301.10 | 275.70 | 250.10 | 224.60 | 199.20 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 313.80 | 303.00 | 275.90 | 248.70 | 221.70 | 194.50 | +1.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 313.80 | 303.00 | 275.90 | 248.70 | 221.70 | 194.50 | +1.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 314.15 | 303.30 | 276.20 | 249.00 | 221.85 | 194.70 | +4.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 314.15 | 303.30 | 276.20 | 249.00 | 221.85 | 194.70 | New tariff 2027 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 314.00 | 304.00 | 279.00 | 254.10 | 229.20 | 204.30 | +0.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 314.00 | 304.00 | 279.00 | 254.10 | 229.20 | 204.30 | +0.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 315.70 | 304.90 | 277.70 | 250.60 | 223.50 | 197.40 | +6.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 316.20 | 305.20 | 277.60 | 250.00 | 222.50 | 195.70 | +1.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 317.40 | 306.60 | 279.45 | 252.25 | 225.10 | 198.00 | +4.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 317.40 | 306.60 | 279.45 | 252.25 | 225.10 | 198.00 | +4.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 317.40 | 306.60 | 279.45 | 252.25 | 225.10 | 198.00 | +4.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 317.40 | 306.60 | 279.45 | 252.25 | 225.10 | 198.00 | +4.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 317.40 | 306.60 | 279.45 | 252.25 | 225.10 | 198.00 | New tariff 2027 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 319.00 | 308.30 | 281.10 | 253.90 | 226.90 | 199.70 | New tariff 2027 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 321.70 | 310.80 | 283.20 | 255.60 | 228.10 | 200.50 | +1.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 321.70 | 311.00 | 284.00 | 256.60 | 229.60 | 202.60 | +0.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 323.50 | 312.80 | 285.90 | 258.40 | 231.40 | 204.50 | +0.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 320.90 | 312.90 | 284.80 | 261.20 | 239.20 | 207.50 | +3.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 320.90 | 312.90 | 284.80 | 261.20 | 239.20 | 207.50 | +3.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 324.90 | 314.10 | 287.00 | 259.80 | 232.70 | 205.60 | +6.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 325.30 | 314.60 | 287.70 | 260.20 | 233.30 | 206.30 | +0.6 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | glarnermed24 | 325.40 | 315.00 | 289.00 | 262.90 | 236.90 | 210.80 | −4.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 325.30 | 315.90 | 292.30 | 268.70 | 245.10 | 226.60 | +5.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 326.70 | 315.90 | 288.70 | 261.60 | 234.50 | 207.30 | +6.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 327.25 | 316.40 | 289.25 | 262.10 | 234.95 | 207.80 | +4.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 329.10 | 318.10 | 290.50 | 262.90 | 235.40 | 207.90 | +1.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 329.00 | 318.10 | 307.50 | 296.80 | 273.30 | 246.20 | New tariff 2027 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 329.60 | 318.50 | 290.80 | 263.10 | 235.40 | 207.70 | +4.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 330.40 | 319.60 | 292.40 | 265.30 | 238.20 | 211.10 | New tariff 2027 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 331.10 | 320.20 | 292.90 | 265.70 | 238.40 | 211.10 | +4.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 332.10 | 321.30 | 294.10 | 267.00 | 239.90 | 212.70 | +1.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 332.60 | 321.80 | 298.30 | 271.20 | 240.40 | 213.30 | New tariff 2027 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 332.70 | 322.00 | 295.00 | 267.60 | 240.60 | 213.60 | +0.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 333.30 | 322.40 | 295.30 | 268.20 | 241.00 | 213.90 | +9.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 335.20 | 324.30 | 297.30 | 270.10 | 243.00 | 215.90 | +9.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 335.90 | 325.10 | 297.90 | 270.80 | 243.70 | 216.60 | +1.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 335.90 | 325.10 | 297.90 | 270.80 | 243.70 | 216.60 | −2.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 337.90 | 326.90 | 299.20 | 271.40 | 243.80 | 216.00 | +3.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 338.40 | 327.30 | 299.60 | 271.90 | 244.20 | 216.50 | +4.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 338.10 | 327.40 | 300.20 | 273.00 | — | 218.80 | +3.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 339.70 | 328.90 | 301.70 | 274.60 | 247.50 | 220.40 | +3.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 340.00 | 329.10 | 307.50 | 280.30 | 247.70 | 220.60 | New tariff 2027 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 340.20 | 329.50 | 302.30 | 275.20 | 248.10 | 220.90 | +5.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 340.60 | 329.80 | 302.60 | 275.50 | 248.40 | 221.20 | +9.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 340.60 | 329.80 | 302.60 | 275.50 | 248.40 | 221.20 | +9.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 340.80 | 330.10 | 302.90 | 275.70 | — | 221.50 | +0.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 341.20 | 330.50 | 303.30 | 276.20 | 249.10 | 221.90 | +0.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 342.20 | 331.40 | 304.10 | 276.90 | 249.80 | 222.50 | +5.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 342.20 | 331.40 | 304.10 | 276.90 | 249.80 | 222.50 | +5.0 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 342.50 | 331.60 | 304.20 | 276.70 | 249.30 | 221.90 | −4.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 342.50 | 331.70 | 304.60 | 277.40 | 250.30 | 223.20 | +10.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 342.50 | 331.70 | 304.60 | 277.40 | 250.30 | 223.20 | +10.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 342.80 | 331.70 | 304.00 | 276.30 | 248.60 | 220.90 | +3.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 343.00 | 332.20 | 305.10 | 277.90 | 250.80 | 223.70 | +9.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 343.50 | 332.70 | 305.60 | 278.40 | 251.30 | 224.20 | −0.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 345.00 | 334.10 | 306.90 | 279.90 | 252.70 | 225.60 | +9.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 345.00 | 334.10 | 306.90 | 279.90 | 252.70 | 225.60 | +9.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 346.60 | 335.50 | 307.80 | 280.10 | 252.40 | 224.70 | +3.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 346.70 | 335.80 | 308.60 | 281.30 | 254.10 | 226.80 | +4.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 348.70 | 337.90 | 310.80 | 283.60 | 256.50 | 229.40 | +1.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 351.10 | 340.30 | 313.20 | 286.00 | 259.00 | 231.80 | −1.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 351.10 | 340.30 | 313.20 | 286.00 | 259.00 | 231.80 | −2.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 351.50 | 340.60 | 313.30 | 286.10 | 258.80 | 231.50 | +4.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 351.40 | 340.70 | 313.80 | 286.30 | 259.40 | 232.40 | +6.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 351.80 | 341.00 | 313.90 | 286.70 | — | 232.50 | +7.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 348.20 | 341.00 | 317.50 | 290.40 | 270.60 | 243.40 | New tariff 2027 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 352.20 | 341.30 | 314.00 | 286.80 | 259.50 | 232.30 | +4.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 353.40 | 342.80 | 315.80 | 288.30 | 261.40 | 234.40 | +6.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 354.50 | 343.70 | 316.60 | 289.40 | — | 235.20 | +3.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 352.70 | 345.60 | 318.40 | 291.30 | 260.50 | 233.40 | New tariff 2027 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 354.60 | 348.40 | 316.50 | 289.20 | 261.90 | 234.70 | +7.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 359.60 | 348.70 | 321.40 | 294.20 | 266.90 | 239.60 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 359.60 | 348.70 | 321.40 | 294.20 | 266.90 | 239.60 | +5.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 360.20 | 349.30 | 322.10 | 294.90 | 267.70 | 240.50 | +5.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 363.70 | 352.70 | 325.50 | 298.20 | 271.00 | 243.70 | +5.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 362.60 | 353.30 | 330.40 | 307.50 | 284.70 | 243.30 | +3.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 359.60 | 353.40 | 321.50 | 294.20 | 267.00 | 239.70 | +7.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 364.60 | 353.70 | 326.40 | 299.20 | 271.90 | 244.60 | +4.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 361.00 | 353.80 | 327.60 | 300.40 | 273.30 | 246.20 | New tariff 2027 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 365.50 | 354.70 | 327.50 | 300.40 | — | 246.20 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 365.50 | 354.70 | 327.60 | 300.40 | 273.30 | 246.20 | +3.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 365.50 | 354.70 | 327.60 | 300.40 | 273.30 | 246.20 | New tariff 2027 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 365.60 | 354.90 | 327.90 | 300.50 | 273.50 | 246.50 | +6.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 365.50 | 354.90 | 327.90 | 300.40 | 273.50 | 246.50 | +0.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 364.40 | 355.00 | 331.40 | 307.80 | 284.30 | 260.60 | −6.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 367.00 | 356.20 | 329.10 | 301.90 | 274.90 | 247.70 | +6.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 369.70 | 358.80 | 331.20 | 303.60 | 276.10 | 248.50 | +1.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 369.60 | 358.90 | 331.90 | 304.50 | 277.50 | 250.60 | +6.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 373.80 | 363.00 | 335.90 | 308.80 | 281.70 | 254.50 | +5.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 376.70 | 365.70 | 337.90 | 310.20 | 282.50 | 254.80 | +3.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 381.70 | 370.90 | 343.80 | 316.60 | 289.60 | 262.40 | −2.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 381.30 | 371.50 | 346.80 | 322.10 | 297.50 | 272.80 | −6.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 384.50 | 373.60 | 346.30 | 319.00 | 291.80 | 264.50 | +5.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 385.60 | 375.60 | 350.70 | 325.70 | 300.80 | 275.80 | −6.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 388.10 | 377.20 | 350.00 | 322.70 | 295.50 | 268.20 | +5.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 388.50 | 377.80 | 350.80 | 323.40 | 296.40 | 269.40 | +9.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 384.70 | 378.50 | 346.50 | 319.30 | 292.00 | 264.80 | +7.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 389.80 | 378.90 | 351.80 | 324.70 | 297.60 | 270.40 | +9.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 385.10 | 378.90 | 346.90 | 319.70 | 292.40 | 265.20 | +7.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 389.05 | 381.25 | 350.15 | 322.90 | 291.80 | 264.55 | +5.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 392.80 | 382.00 | 354.90 | 327.70 | — | 273.50 | +4.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 393.00 | 382.30 | 355.30 | 327.90 | 300.90 | 273.90 | +7.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 396.30 | 385.40 | 358.10 | 330.90 | 303.60 | 276.40 | +5.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 397.20 | 391.00 | 359.10 | 331.80 | 304.50 | 277.30 | +7.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 402.00 | 391.30 | 364.30 | 336.90 | 309.90 | 282.90 | +9.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 403.90 | 393.20 | 366.30 | 338.80 | 311.90 | 284.90 | +6.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 404.50 | 393.60 | 366.30 | 339.00 | 311.80 | 284.50 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 408.50 | 397.60 | 370.40 | 343.10 | 315.90 | 288.60 | +5.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 405.60 | 399.30 | 367.40 | 340.20 | 312.90 | 285.60 | +7.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 410.90 | 400.20 | 373.30 | 345.80 | 318.90 | 291.90 | +7.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 409.55 | 401.35 | 372.65 | 344.00 | 311.20 | 282.60 | +3.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 418.10 | 411.90 | 379.90 | 352.70 | 325.40 | 298.20 | +7.7 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 423.40 | 412.50 | 385.10 | 357.60 | 330.30 | 302.80 | +0.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 423.70 | 412.80 | 385.30 | 357.90 | 330.50 | 303.10 | −6.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 449.10 | 438.40 | 411.40 | 384.00 | 357.00 | 330.10 | +7.7 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Grabs for a young adult aged 19 to 25 with a deductible of 500 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/), the cheapest offer in [Grabs](https://praemiencheck.onedoc.ch/en/sg/grabs/) is Agrisano (AGRIsmart) at 283.10 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 316.40 CHF a month.

### How much does health insurance cost in Grabs in 2027 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/) with a deductible of 500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/), monthly premiums run from 283.10 CHF (Agrisano, AGRIsmart) to 438.40 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: 267.30 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 292.70 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/deductible-300/) to 187.20 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/deductible-2500/): 105.50 CHF less a month, 1'266.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'707 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Grabs 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 500 CHF and without accident cover, the cheapest premium per model is: standard model 316.40 CHF (Sanitas), family doctor / HMO 296.10 CHF (ÖKK), flexible model 293.90 CHF (Assura), telemedicine 283.10 CHF (Agrisano).

### Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

## 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: Grabs 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 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Grabs (SG): every situation: https://praemiencheck.onedoc.ch/en/sg/grabs/
- Premiums 2027 in Grabs (SG), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/
- Premiums 2027 in Grabs (SG), young adult, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/
- Child: https://praemiencheck.onedoc.ch/en/sg/grabs/child/
- Adult: https://praemiencheck.onedoc.ch/en/sg/grabs/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/with-accident/deductible-500/
- Deductible Premiums 2027 in Grabs (SG), young adult, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/deductible-300/
- Deductible Premiums 2027 in Grabs (SG), young adult, deductible of 1'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/deductible-1000/
- Deductible Premiums 2027 in Grabs (SG), young adult, deductible of 1'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/deductible-1500/
- Deductible Premiums 2027 in Grabs (SG), young adult, deductible of 2'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/deductible-2000/
- Deductible Premiums 2027 in Grabs (SG), young adult, deductible of 2'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/deductible-300/ — replace `sg` with your canton’s two-letter code (ge, vd, zh…), `grabs` with your municipality, `young-adult` with `child` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-500` with `deductible-2500` for another deductible. Markdown version: add `.md`.