# Health insurance premiums 2027 in Grabs (SG), for a young adult aged 19 to 25 who wants a deductible of 2'500 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · with 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 2'500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/with-accident/), the cheapest monthly basic insurance premium is **197.10 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 354.90 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 (2'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 308.10 | 298.00 | 272.80 | 247.60 | 222.30 | 197.10 | +7.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 334.40 | 322.80 | 293.60 | 264.40 | 235.30 | 206.10 | +12.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 334.50 | 322.90 | 293.70 | 264.50 | 235.40 | 207.00 | +1.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 325.90 | 315.20 | 288.60 | 261.90 | 235.20 | 208.50 | +8.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 337.40 | 325.80 | 296.60 | 267.40 | 238.30 | 209.10 | +2.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 337.40 | 325.80 | 296.60 | 267.40 | 238.30 | 209.10 | +2.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 337.45 | 325.80 | 296.65 | 267.45 | 238.30 | 209.15 | +7.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 337.45 | 325.80 | 296.65 | 267.45 | 238.30 | 209.15 | New tariff 2027 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 327.70 | 316.90 | 290.20 | 263.30 | 236.40 | 209.70 | +7.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 329.90 | 318.30 | 289.10 | 259.90 | 230.80 | 209.90 | +2.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 340.40 | 328.80 | 299.60 | 270.40 | 241.30 | 212.10 | +2.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 327.60 | 316.00 | 286.80 | 257.60 | 228.50 | 212.20 | +6.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 327.60 | 316.00 | 286.80 | 257.60 | 228.50 | 212.20 | +6.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 339.40 | 327.80 | 298.60 | 269.40 | 240.30 | 212.20 | +6.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 340.95 | 329.30 | 300.15 | 270.95 | 241.80 | 212.65 | +7.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 340.95 | 329.30 | 300.15 | 270.95 | 241.80 | 212.65 | +7.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 340.95 | 329.30 | 300.15 | 270.95 | 241.80 | 212.65 | +7.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 340.95 | 329.30 | 300.15 | 270.95 | 241.80 | 212.65 | +7.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 340.95 | 329.30 | 300.15 | 270.95 | 241.80 | 212.65 | New tariff 2027 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 343.00 | 331.40 | 302.20 | 273.00 | 243.90 | 214.70 | 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 | OptiMed (Healthcare network) | 345.90 | 334.40 | 305.40 | 275.90 | 246.90 | 217.90 | +0.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 346.90 | 335.30 | 306.10 | 276.90 | 247.80 | 218.60 | +7.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 337.60 | 326.80 | 300.00 | 273.20 | 246.40 | 219.60 | +1.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 337.60 | 326.80 | 300.00 | 273.20 | 246.40 | 219.60 | +1.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 348.20 | 336.60 | 307.40 | 278.20 | 249.10 | 219.90 | +1.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 347.90 | 336.40 | 307.40 | 277.90 | 248.90 | 219.90 | +1.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 349.30 | 337.70 | 308.50 | 279.30 | 250.20 | 221.00 | +9.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 349.80 | 338.30 | 309.30 | 279.80 | 250.80 | 221.80 | +0.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 351.20 | 339.60 | 310.40 | 281.20 | 252.10 | 222.90 | +9.7 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 345.10 | 336.40 | 306.20 | 280.80 | 257.20 | 223.10 | +4.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 345.10 | 336.40 | 306.20 | 280.80 | 257.20 | 223.10 | +4.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 351.50 | 339.85 | 310.70 | 281.50 | 252.35 | 223.20 | +6.8 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | glarnermed24 | 346.20 | 335.10 | 307.40 | 279.70 | 252.00 | 224.30 | −6.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 354.20 | 342.60 | 313.40 | 284.20 | 255.10 | 225.90 | +7.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 355.20 | 343.60 | 314.40 | 285.20 | 256.10 | 226.90 | New tariff 2027 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 355.70 | 344.10 | 314.90 | 285.70 | 256.60 | 227.40 | +5.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 356.20 | 344.50 | 315.40 | 286.20 | 257.00 | 227.90 | +7.2 % |
| [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 | 357.00 | 345.40 | 316.20 | 287.00 | 257.90 | 228.70 | +1.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 357.70 | 346.00 | 320.80 | 291.60 | 258.50 | 229.30 | 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) | 357.70 | 346.20 | 317.20 | 287.70 | 258.70 | 229.70 | +0.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 358.30 | 346.60 | 317.50 | 288.30 | 259.10 | 230.00 | +11.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 360.40 | 348.70 | 319.60 | 290.40 | 261.20 | 232.10 | +12.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 360.80 | 349.20 | 320.00 | 290.80 | 261.70 | 232.50 | +5.4 % |
| [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 | 361.10 | 349.50 | 320.30 | 291.10 | 262.00 | 232.80 | +1.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 361.10 | 349.50 | 320.30 | 291.10 | 262.00 | 232.80 | −3.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 363.60 | 352.00 | 322.80 | 293.60 | — | 235.30 | +5.8 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 364.40 | 352.75 | 323.60 | 294.40 | 265.25 | 236.10 | −6.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 364.80 | 353.20 | 324.00 | 294.80 | 265.70 | 236.50 | +5.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 365.20 | 353.60 | 324.40 | 295.20 | 266.10 | 236.90 | +4.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 365.50 | 353.90 | 330.60 | 301.40 | 266.40 | 237.20 | New tariff 2027 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 365.80 | 354.20 | 325.00 | 295.90 | 266.70 | 237.50 | +8.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 366.20 | 354.60 | 325.40 | 296.20 | 267.10 | 237.90 | +14.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 366.20 | 354.60 | 325.40 | 296.20 | 267.10 | 237.90 | +14.9 % |
| [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) | 366.50 | 354.90 | 325.70 | 296.50 | — | 238.20 | +0.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 366.90 | 355.30 | 326.10 | 296.90 | 267.80 | 238.60 | +0.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 366.90 | 355.30 | 326.10 | 296.90 | 267.80 | 238.60 | +8.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 366.90 | 355.30 | 326.10 | 296.90 | 267.80 | 238.60 | +8.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 368.30 | 356.70 | 327.50 | 298.30 | 269.20 | 240.00 | +15.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 368.30 | 356.70 | 327.50 | 298.30 | 269.20 | 240.00 | +15.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 368.80 | 357.10 | 328.00 | 298.80 | 269.60 | 240.50 | +15.1 % |
| [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 | 369.30 | 357.70 | 328.50 | 299.30 | 270.20 | 241.00 | −0.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 370.90 | 359.20 | 330.00 | 300.90 | 271.70 | 242.50 | +15.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 370.90 | 359.20 | 330.00 | 300.90 | 271.70 | 242.50 | +15.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 371.00 | 359.30 | 330.10 | 301.00 | 271.80 | 242.60 | +6.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 349.70 | 339.60 | 314.20 | 288.90 | 263.50 | 243.60 | +10.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 374.90 | 363.30 | 334.10 | 304.90 | 275.80 | 246.60 | +2.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 376.00 | 364.40 | 335.20 | 306.00 | 276.90 | 247.70 | +6.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 376.80 | 365.20 | 336.00 | 306.80 | 277.70 | 248.50 | +6.8 % |
| [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 | 377.50 | 365.90 | 336.70 | 307.50 | 278.40 | 249.20 | −2.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 377.50 | 365.90 | 336.70 | 307.50 | 278.40 | 249.20 | −3.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 377.90 | 366.40 | 337.40 | 307.90 | 278.90 | 249.90 | +10.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 378.30 | 366.70 | 337.50 | 308.30 | — | 250.00 | +11.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 379.30 | 371.60 | 342.40 | 313.20 | 280.10 | 251.00 | 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 | 379.40 | 372.70 | 338.60 | 309.40 | 280.20 | 251.10 | +11.8 % |
| [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) | 380.00 | 368.50 | 339.50 | 310.00 | 281.00 | 252.00 | +10.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 381.20 | 369.60 | 340.40 | 311.20 | — | 252.90 | +5.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 384.80 | 378.10 | 343.90 | 314.80 | 285.60 | 256.40 | +11.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 384.70 | 373.00 | 343.90 | 314.70 | 285.50 | 256.40 | +8.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 384.70 | 373.00 | 343.90 | 314.70 | 285.50 | 256.40 | +8.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 386.20 | 374.50 | 345.40 | 316.20 | 287.00 | 257.90 | +7.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 389.10 | 377.40 | 348.20 | 319.10 | 289.90 | 260.70 | +8.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 389.90 | 379.80 | 355.20 | 330.60 | 306.10 | 261.60 | +4.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 390.10 | 378.40 | 349.20 | 320.10 | 290.90 | 261.70 | +6.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 374.40 | 366.60 | 341.40 | 312.20 | 290.90 | 261.80 | New tariff 2027 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 391.20 | 379.60 | 350.40 | 321.20 | 292.10 | 262.90 | +1.7 % |
| [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 | 393.00 | 381.40 | 352.20 | 323.00 | — | 264.70 | +5.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 393.00 | 381.40 | 352.20 | 323.00 | 293.90 | 264.70 | +4.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 353.70 | 342.10 | 330.60 | 319.10 | 293.90 | 264.70 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 393.00 | 381.40 | 352.20 | 323.00 | 293.90 | 264.70 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 388.10 | 380.40 | 352.20 | 323.00 | 293.90 | 264.70 | 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) | 393.10 | 381.60 | 352.60 | 323.10 | 294.10 | 265.10 | +10.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 393.10 | 381.60 | 352.60 | 323.10 | 294.10 | 265.10 | +0.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 391.40 | 383.55 | 352.25 | 324.85 | 293.55 | 266.15 | +5.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 394.60 | 383.00 | 353.80 | 324.60 | 295.50 | 266.30 | +9.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 396.50 | 384.90 | 355.70 | 326.50 | 297.40 | 268.20 | +5.2 % |
| [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) | 397.40 | 385.90 | 356.90 | 327.40 | 298.40 | 269.40 | +10.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 401.90 | 390.30 | 361.10 | 332.00 | 302.80 | 273.60 | +8.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 387.60 | 377.60 | 352.50 | 327.40 | 302.40 | 277.30 | −9.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 410.40 | 398.80 | 369.60 | 340.40 | 311.30 | 282.10 | −3.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 411.40 | 399.70 | 370.50 | 341.40 | 312.20 | 283.00 | +8.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 411.60 | 404.90 | 370.80 | 341.60 | 312.40 | 283.30 | +11.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 412.00 | 405.40 | 371.20 | 342.00 | 312.90 | 283.70 | +11.3 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 412.00 | 403.75 | 374.90 | 346.10 | 313.10 | 284.30 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 415.30 | 403.60 | 374.50 | 345.30 | 316.10 | 287.00 | +8.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 417.70 | 406.20 | 377.20 | 347.70 | 318.70 | 289.70 | +13.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 405.70 | 395.20 | 368.90 | 342.70 | 316.50 | 290.20 | −9.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 419.10 | 407.40 | 378.20 | 349.10 | 319.90 | 290.70 | +14.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 410.20 | 399.60 | 373.00 | 346.50 | 320.00 | 293.40 | −9.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 422.40 | 410.80 | 381.60 | 352.40 | — | 294.10 | +5.8 % |
| [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) | 422.50 | 411.00 | 382.00 | 352.50 | 323.50 | 294.50 | +11.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 424.00 | 412.40 | 383.20 | 354.00 | 324.90 | 295.70 | +8.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 425.00 | 418.30 | 384.20 | 355.00 | 325.80 | 296.70 | +11.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 432.20 | 420.70 | 391.70 | 362.20 | 333.20 | 304.20 | +12.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 432.80 | 421.10 | 391.90 | 362.80 | 333.60 | 304.40 | +8.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 433.90 | 427.30 | 393.10 | 363.90 | 334.80 | 305.60 | +11.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 434.30 | 422.80 | 393.80 | 364.30 | 335.30 | 306.30 | +9.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 437.10 | 425.50 | 396.30 | 367.10 | 338.00 | 308.80 | +8.2 % |
| [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) | 441.90 | 430.40 | 401.40 | 371.90 | 342.90 | 313.90 | +10.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 447.40 | 440.70 | 406.50 | 377.40 | 348.20 | 319.00 | +10.9 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 450.40 | 438.80 | 409.60 | 380.40 | 351.30 | 322.10 | +1.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 450.70 | 439.10 | 409.90 | 380.70 | 351.60 | 322.40 | −9.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 482.90 | 471.40 | 442.40 | 412.90 | 383.90 | 354.90 | +10.5 % |

\* 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 2'500 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/with-accident/), the cheapest offer in [Grabs](https://praemiencheck.onedoc.ch/en/sg/grabs/) is Agrisano (AGRIsmart) at 197.10 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 223.20 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 2'500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/with-accident/), monthly premiums run from 197.10 CHF (Agrisano, AGRIsmart) to 354.90 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 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 308.10 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/with-accident/deductible-300/) to 197.10 CHF with the 2'500 CHF deductible: 111.00 CHF less a month, 1'332.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'780 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 2'500 CHF and with accident cover, the cheapest premium per model is: standard model 223.20 CHF (Sanitas), family doctor / HMO 206.10 CHF (CSS), flexible model 209.10 CHF (ÖKK), telemedicine 197.10 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/with-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, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/sg/grabs/child/
- Adult: https://praemiencheck.onedoc.ch/en/sg/grabs/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/no-accident/deductible-2500/
- Deductible Premiums 2027 in Grabs (SG), young adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/with-accident/deductible-300/
- Deductible Premiums 2027 in Grabs (SG), young adult, deductible of 500 CHF, 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 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2027 in Grabs (SG), young adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2027 in Grabs (SG), young adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/with-accident/deductible-2000/

Address of this page: praemiencheck.onedoc.ch/en/sg/grabs/young-adult/with-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`, `with-accident` with `no-accident` for the other accident cover, `deductible-2500` with `deductible-300` for another deductible. Markdown version: add `.md`.