# Health insurance premiums 2027 in Niederbüren (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 [Niederbüren](https://praemiencheck.onedoc.ch/en/sg/niederburen/) ([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/niederburen/young-adult/) with a 500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/no-accident/), the cheapest monthly basic insurance premium is **318.05 CHF** with **ÖKK** (ÖKK CASAMED HMO model) and the most expensive is 507.45 CHF with SLKK (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 328.75 | 318.05 | 290.85 | 263.65 | 236.65 | 217.15 | +1.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 333.20 | 322.35 | 295.20 | 268.05 | 240.90 | 213.75 | +4.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 333.20 | 322.35 | 295.20 | 268.05 | 240.90 | 213.75 | +4.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 336.45 | 325.65 | 298.45 | 271.35 | 244.25 | 217.15 | +1.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 336.45 | 325.65 | 298.45 | 271.35 | 244.25 | 217.15 | +1.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 336.75 | 325.90 | 298.75 | 271.55 | 244.45 | 217.30 | +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 | 336.75 | 325.90 | 298.75 | 271.55 | 244.45 | 217.30 | +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 | 336.75 | 325.90 | 298.75 | 271.55 | 244.45 | 217.30 | +4.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 336.75 | 325.90 | 298.75 | 271.55 | 244.45 | 217.30 | +4.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 336.75 | 325.90 | 298.75 | 271.55 | 244.45 | 217.30 | +4.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 337.95 | 327.25 | 300.05 | 272.85 | 245.85 | 218.65 | +8.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 339.85 | 329.05 | 301.95 | 274.75 | 247.75 | 220.55 | +6.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 339.85 | 329.05 | 301.95 | 274.75 | 247.75 | 220.55 | +6.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 342.05 | 331.35 | 304.15 | 276.95 | 249.95 | 222.75 | +1.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 344.55 | 333.65 | 306.45 | 279.45 | 252.25 | 225.15 | +6.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 344.55 | 333.65 | 306.45 | 279.45 | 252.25 | 225.15 | +7.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 345.85 | 334.85 | 307.25 | 279.65 | 252.15 | 224.55 | +1.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 347.30 | 336.45 | 309.30 | 282.15 | 255.00 | 227.85 | +4.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 350.25 | 340.25 | 315.35 | 290.35 | 265.45 | 240.55 | +1.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 350.25 | 340.25 | 315.35 | 290.35 | 265.45 | 240.55 | +1.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 350.95 | 340.75 | 315.45 | 290.15 | 264.65 | 239.45 | +5.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 352.05 | 341.05 | 313.45 | 285.85 | 258.35 | 230.75 | +2.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 352.65 | 341.75 | 314.65 | 287.55 | 260.35 | 233.25 | +6.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 352.65 | 341.75 | 314.65 | 287.55 | 260.35 | 233.25 | +6.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 352.65 | 341.75 | 314.65 | 287.55 | 260.35 | 233.25 | +6.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 352.95 | 342.65 | 317.25 | 291.75 | 266.15 | 240.75 | +4.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 353.55 | 342.75 | 315.55 | 288.45 | 261.35 | 234.25 | +6.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 353.55 | 342.75 | 315.55 | 288.45 | 261.35 | 234.25 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 354.45 | 343.65 | 335.35 | 326.95 | 320.75 | 293.65 | −1.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 354.45 | 343.65 | 320.65 | 293.55 | 262.25 | 235.15 | +4.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 353.35 | 343.95 | 320.35 | 296.85 | 273.15 | 243.75 | +5.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 355.35 | 344.65 | 317.45 | 290.25 | 263.25 | 236.25 | +4.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 356.65 | 345.65 | 317.85 | 290.15 | 262.45 | 234.75 | +3.8 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | glarnermed24 | 356.85 | 346.45 | 320.35 | 294.35 | 268.35 | 242.25 | −4.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 360.15 | 349.25 | 321.65 | 294.05 | 266.55 | 238.95 | +1.7 % |
| [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) | 360.75 | 350.15 | 323.15 | 295.65 | 268.75 | 241.75 | +0.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 362.85 | 351.75 | 324.05 | 296.35 | 268.65 | 240.95 | +3.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 362.85 | 352.15 | 325.25 | 297.75 | 270.85 | 243.85 | +0.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FlexCare | 364.85 | 353.85 | 326.15 | 298.35 | 270.75 | 243.05 | +3.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 364.95 | 354.25 | 327.25 | 299.85 | 272.85 | 245.95 | +0.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 365.85 | 355.05 | 327.85 | 300.65 | 273.45 | 246.25 | +4.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 365.85 | 355.05 | 327.85 | 300.65 | 273.45 | 246.25 | +4.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 366.05 | 355.35 | 328.15 | 300.95 | 273.95 | 246.75 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 367.05 | 356.15 | 335.35 | 308.15 | 274.75 | 247.65 | +5.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 367.15 | 356.45 | 329.25 | 302.15 | 275.05 | 248.45 | +4.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 369.15 | 358.45 | 331.45 | 304.05 | 277.05 | 250.05 | +6.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 369.85 | 359.05 | 331.85 | 304.95 | 277.65 | 250.75 | +5.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 370.25 | 359.45 | 332.35 | 305.15 | 278.15 | 250.95 | New tariff 2027 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 370.55 | 359.85 | 332.65 | 305.45 | 278.45 | 251.25 | +9.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 370.55 | 359.85 | 332.65 | 305.45 | 278.45 | 251.25 | +8.4 % |
| [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) | 371.25 | 360.55 | 333.55 | 306.15 | 279.15 | 252.25 | +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 R1 | 371.45 | 360.65 | 333.55 | 306.35 | 279.35 | 252.15 | +4.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 371.85 | 360.85 | 333.05 | 305.35 | 277.65 | 249.95 | +3.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 372.35 | 361.25 | 333.55 | 305.85 | 278.15 | 250.45 | +3.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 372.95 | 362.15 | 334.95 | 307.85 | — | 253.65 | +2.9 % |
| [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) | 373.25 | 362.55 | 335.55 | 308.15 | 281.15 | 254.25 | +0.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 374.25 | 363.45 | 336.35 | 309.15 | 282.15 | 254.95 | +1.9 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 375.85 | 364.95 | 337.55 | 310.05 | 282.65 | 255.25 | −4.9 % |
| [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 | 375.85 | 365.05 | 337.95 | 310.75 | 283.65 | 256.55 | +5.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 375.85 | 365.05 | 337.95 | 310.75 | 283.65 | 256.55 | +5.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 376.05 | 365.25 | 338.15 | 310.95 | — | 256.75 | +2.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 375.75 | 369.45 | 337.55 | 310.25 | 283.05 | 255.75 | +7.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 380.25 | 369.45 | 342.25 | 315.15 | 288.05 | 260.95 | +7.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 381.05 | 370.25 | 343.15 | 315.95 | 288.95 | 261.75 | +1.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 383.45 | 372.65 | 345.55 | 318.35 | 291.25 | 264.15 | +7.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 383.95 | 372.85 | 345.25 | 317.45 | 289.75 | 262.15 | +4.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 384.15 | 373.45 | 346.45 | 319.05 | 292.05 | 265.15 | +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 R3 | 384.55 | 373.85 | 346.65 | 319.45 | 292.45 | 265.25 | +4.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 381.05 | 374.85 | 342.95 | 315.65 | 288.45 | 261.15 | +7.7 % |
| [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) | 388.45 | 377.75 | 350.75 | 323.35 | 296.35 | 269.35 | +6.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 388.75 | 377.85 | 350.65 | 323.35 | 296.15 | 268.85 | +5.8 % |
| [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) | 389.05 | 378.25 | 351.05 | 323.95 | — | 269.65 | +2.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 391.05 | 380.15 | 352.85 | 325.55 | 298.35 | 271.05 | +4.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 391.45 | 380.55 | 353.25 | 326.05 | 298.75 | 271.45 | +4.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 392.25 | 381.45 | 354.35 | 327.15 | — | 272.95 | +2.9 % |
| [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 | 393.35 | 382.55 | 355.35 | 328.25 | 301.15 | 274.05 | +3.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 389.95 | 383.35 | 360.35 | 333.25 | 314.45 | 287.35 | +5.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 389.95 | 383.35 | 356.15 | 329.05 | 297.75 | 270.65 | +6.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 388.75 | 383.65 | 350.85 | 328.85 | 307.85 | 269.45 | +4.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 395.65 | 384.75 | 357.45 | 330.25 | 302.95 | 275.75 | +4.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 395.65 | 384.85 | 357.65 | 330.55 | 303.45 | 276.25 | +11.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 397.75 | 386.95 | 359.75 | 332.65 | 305.55 | 278.35 | +3.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 400.25 | 389.45 | 362.25 | 335.05 | 307.85 | 280.65 | +4.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 401.15 | 390.25 | 362.95 | 335.75 | 308.45 | 281.15 | +4.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 401.35 | 390.45 | 363.35 | 336.25 | 309.05 | 282.05 | +6.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 405.25 | 394.25 | 366.65 | 339.05 | 311.55 | 283.95 | +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 | 405.15 | 394.45 | 367.25 | 340.05 | — | 285.85 | +3.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 401.45 | 394.85 | 371.85 | 344.75 | 320.75 | 293.65 | +8.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 405.95 | 394.95 | 367.15 | 339.45 | 311.75 | 284.05 | +3.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 406.85 | 396.05 | 368.85 | 341.85 | 314.65 | 287.55 | +5.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 410.65 | 399.95 | 372.95 | 345.55 | 318.55 | 291.55 | +0.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 406.15 | 399.95 | 368.05 | 340.75 | 313.55 | 286.25 | +7.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 411.85 | 401.05 | 373.95 | 346.75 | 319.65 | 292.55 | +6.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 407.95 | 401.75 | 369.85 | 342.55 | 315.35 | 288.05 | +7.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 412.85 | 401.95 | 374.65 | 347.45 | 320.15 | 292.85 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 412.85 | 401.95 | 374.65 | 347.45 | 320.15 | 292.85 | +5.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 412.95 | 402.15 | 374.95 | 347.85 | 320.75 | 293.65 | +3.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 412.95 | 402.15 | 374.95 | 347.85 | 320.75 | 293.65 | +3.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 417.15 | 406.25 | 378.95 | 351.75 | 324.45 | 297.25 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 420.55 | 409.65 | 382.35 | 355.15 | 327.85 | 300.65 | +5.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 424.95 | 414.25 | 387.25 | 359.85 | 332.85 | 305.95 | +6.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 421.45 | 415.25 | 383.25 | 356.05 | 328.75 | 301.45 | +7.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 426.45 | 415.55 | 388.25 | 361.05 | 333.75 | 306.45 | +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) | 426.85 | 416.15 | 389.25 | 361.75 | 334.85 | 307.85 | +9.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 428.75 | 417.75 | 390.55 | 363.25 | 336.05 | 308.75 | +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) | 431.85 | 421.15 | 394.25 | 366.75 | 339.85 | 312.85 | +7.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 432.75 | 421.95 | 394.85 | 367.65 | 340.65 | 313.45 | +3.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 430.45 | 424.15 | 392.25 | 364.95 | 337.75 | 310.45 | +7.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 437.45 | 426.65 | 399.55 | 372.35 | — | 318.15 | +3.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 441.85 | 431.15 | 404.15 | 376.75 | 349.75 | 322.85 | +8.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 444.55 | 433.65 | 406.45 | 379.15 | 351.85 | 324.65 | +5.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 445.05 | 435.75 | 412.15 | 388.45 | 364.95 | 341.35 | +2.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 443.85 | 437.65 | 405.65 | 378.45 | 351.15 | 323.95 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 449.15 | 438.25 | 410.95 | 383.65 | 356.45 | 329.15 | +5.8 % |
| [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) | 451.85 | 441.15 | 414.15 | 386.75 | 359.75 | 332.75 | +7.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 466.05 | 456.15 | 431.45 | 406.75 | 382.15 | 357.45 | +2.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 469.30 | 459.80 | 431.35 | 402.95 | 374.45 | 346.05 | +1.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 471.25 | 461.35 | 436.35 | 411.35 | 386.45 | 361.45 | +2.6 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 477.05 | 466.25 | 438.75 | 411.35 | 383.95 | 356.55 | +2.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 494.25 | 483.55 | 456.55 | 429.15 | 402.15 | 375.25 | +7.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 494.25 | 484.25 | 454.35 | 429.40 | 399.40 | 369.50 | +2.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 518.35 | 507.45 | 479.95 | 452.55 | 425.15 | 397.75 | +2.6 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Niederbüren 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/niederburen/young-adult/no-accident/), the cheapest offer in [Niederbüren](https://praemiencheck.onedoc.ch/en/sg/niederburen/) is ÖKK (ÖKK CASAMED HMO) at 318.05 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 336.45 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/) with a deductible of 500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/no-accident/), monthly premiums run from 318.05 CHF (ÖKK, ÖKK CASAMED HMO) to 507.45 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: 309.85 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 328.75 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/no-accident/deductible-300/) to 217.15 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/no-accident/deductible-2500/): 111.60 CHF less a month, 1'339.20 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'788 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Niederbüren 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 336.45 CHF (Sanitas), family doctor / HMO 318.05 CHF (ÖKK), flexible model 325.65 CHF (ÖKK), telemedicine 322.35 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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 322.80 CHF at ÖKK (ÖKK CASAMED HMO) gives 318.05 CHF after redistribution.

### 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: Niederbüren is in region 1 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/niederburen/young-adult/no-accident/deductible-300/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/no-accident/deductible-300/ — replace `sg` with your canton’s two-letter code (ge, vd, zh…), `niederburen` 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`.