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

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · with 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 [with accident cover](https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-accident/), the cheapest monthly basic insurance premium is **342.25 CHF** with **ÖKK** (ÖKK CASAMED HMO model) and the most expensive is 540.15 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 | 353.85 | 342.25 | 313.05 | 283.85 | 254.75 | 233.85 | +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 | 358.25 | 346.60 | 317.45 | 288.25 | 259.10 | 229.95 | +4.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 358.25 | 346.60 | 317.45 | 288.25 | 259.10 | 229.95 | +4.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 362.05 | 350.40 | 321.25 | 292.05 | 262.90 | 233.75 | +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 | 362.05 | 350.40 | 321.25 | 292.05 | 262.90 | 233.75 | +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 | 362.05 | 350.40 | 321.25 | 292.05 | 262.90 | 233.75 | +4.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 362.05 | 350.40 | 321.25 | 292.05 | 262.90 | 233.75 | +4.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 362.05 | 350.40 | 321.25 | 292.05 | 262.90 | 233.75 | +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 | 362.05 | 350.45 | 321.25 | 292.05 | 262.95 | 233.75 | +1.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 362.05 | 350.45 | 321.25 | 292.05 | 262.95 | 233.75 | +1.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 363.75 | 352.15 | 322.95 | 293.75 | 264.65 | 235.45 | +8.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 365.75 | 354.15 | 324.95 | 295.75 | 266.65 | 237.45 | +6.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 365.75 | 354.15 | 324.95 | 295.75 | 266.65 | 237.45 | +6.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 366.15 | 354.55 | 325.35 | 296.15 | 267.05 | 237.85 | +1.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 368.15 | 356.55 | 327.35 | 298.15 | 269.05 | 239.85 | +1.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 369.65 | 358.95 | 332.35 | 305.65 | 278.85 | 252.25 | +5.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 370.75 | 359.05 | 329.85 | 300.75 | 271.55 | 242.35 | +6.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 370.75 | 359.05 | 329.85 | 300.75 | 271.55 | 242.35 | +7.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 371.75 | 360.95 | 334.15 | 307.35 | 280.45 | 253.65 | +4.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 372.75 | 361.15 | 331.95 | 302.75 | 273.65 | 244.45 | +2.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 373.40 | 361.75 | 332.60 | 303.40 | 274.25 | 245.10 | +4.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 375.65 | 364.05 | 334.85 | 305.65 | 276.55 | 247.35 | +3.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 376.95 | 366.15 | 339.35 | 312.55 | 285.75 | 258.95 | +1.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 376.95 | 366.15 | 339.35 | 312.55 | 285.75 | 258.95 | +1.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 379.45 | 367.75 | 338.65 | 309.45 | 280.25 | 251.15 | +6.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 379.45 | 367.75 | 338.65 | 309.45 | 280.25 | 251.15 | +6.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 379.45 | 367.75 | 338.65 | 309.45 | 280.25 | 251.15 | +6.8 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | glarnermed24 | 379.95 | 368.85 | 341.15 | 313.45 | 285.75 | 258.05 | −4.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 380.45 | 368.85 | 339.65 | 310.45 | 281.35 | 252.15 | +6.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 380.45 | 368.85 | 339.65 | 310.45 | 281.35 | 252.15 | +6.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 381.35 | 369.75 | 340.55 | 311.35 | 282.25 | 253.05 | +1.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 381.55 | 369.85 | 360.95 | 351.95 | 345.25 | 316.05 | −1.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 381.55 | 369.85 | 345.15 | 316.05 | 282.35 | 253.15 | +4.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 380.25 | 370.15 | 344.75 | 319.45 | 294.05 | 262.35 | +5.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 382.15 | 370.55 | 341.35 | 312.15 | 283.05 | 253.85 | +3.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 382.45 | 370.85 | 341.65 | 312.45 | 283.35 | 254.35 | +4.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FlexCare | 384.35 | 372.75 | 343.55 | 314.35 | 285.25 | 256.05 | +3.2 % |
| [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) | 388.35 | 376.85 | 347.85 | 318.35 | 289.35 | 260.35 | +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) | 390.55 | 379.05 | 350.05 | 320.55 | 291.55 | 262.55 | +0.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 391.65 | 380.05 | 350.85 | 321.65 | 292.55 | 263.35 | +3.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 392.15 | 380.55 | 351.35 | 322.15 | 293.05 | 263.85 | +3.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 392.65 | 381.05 | 351.85 | 322.65 | 293.55 | 264.35 | +4.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 392.65 | 381.05 | 351.85 | 322.65 | 293.55 | 264.35 | +4.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 392.75 | 381.25 | 352.25 | 322.75 | 293.75 | 264.75 | +0.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 393.95 | 382.35 | 353.15 | 323.95 | 294.85 | 265.65 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 394.95 | 383.35 | 360.95 | 331.75 | 295.85 | 266.65 | +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 | 395.15 | 383.55 | 354.35 | 325.25 | 296.05 | 267.45 | +4.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 397.25 | 385.75 | 356.75 | 327.25 | 298.25 | 269.25 | +6.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 397.95 | 386.35 | 357.15 | 328.15 | 298.85 | 269.95 | +5.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 398.45 | 386.85 | 357.65 | 328.45 | 299.35 | 270.15 | 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) | 398.85 | 387.25 | 358.05 | 328.85 | 299.75 | 270.55 | +9.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 398.85 | 387.25 | 358.05 | 328.85 | 299.75 | 270.55 | +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) | 399.55 | 388.05 | 359.05 | 329.55 | 300.55 | 271.55 | +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 | 399.75 | 388.15 | 358.95 | 329.75 | 300.65 | 271.45 | +4.7 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 400.15 | 388.50 | 359.35 | 330.15 | 301.00 | 271.85 | −4.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 401.35 | 389.75 | 360.55 | 331.35 | — | 273.05 | +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) | 401.75 | 390.25 | 361.25 | 331.75 | 302.75 | 273.75 | +0.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 402.75 | 391.15 | 361.95 | 332.75 | 303.65 | 274.45 | +1.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 404.45 | 392.75 | 363.65 | 334.45 | 305.25 | 276.15 | +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 R2 | 404.45 | 392.85 | 363.65 | 334.45 | 305.35 | 276.15 | +5.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 404.45 | 392.85 | 363.65 | 334.45 | 305.35 | 276.15 | +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 | 404.75 | 393.15 | 363.95 | 334.75 | — | 276.45 | +2.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 402.35 | 395.65 | 361.45 | 332.35 | 303.15 | 273.95 | +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 | 409.15 | 397.55 | 368.35 | 339.15 | 310.05 | 280.85 | +7.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 410.05 | 398.45 | 369.25 | 340.05 | 311.05 | 281.75 | +1.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 412.65 | 401.05 | 371.85 | 342.65 | 313.55 | 284.35 | +7.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 408.05 | 401.45 | 367.25 | 338.05 | 308.95 | 279.75 | +7.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 413.45 | 401.95 | 372.95 | 343.45 | 314.45 | 285.45 | +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 | 413.85 | 402.25 | 373.05 | 343.85 | 314.75 | 285.55 | +4.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 416.35 | 404.65 | 375.45 | 346.35 | 317.15 | 287.95 | +5.8 % |
| [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) | 418.05 | 406.55 | 377.55 | 348.05 | 319.05 | 290.05 | +6.8 % |
| [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) | 418.65 | 407.05 | 377.85 | 348.65 | — | 290.35 | +2.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 418.65 | 407.05 | 377.85 | 348.65 | 319.55 | 290.35 | +4.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 419.15 | 407.45 | 378.35 | 349.15 | 319.95 | 290.85 | +4.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 422.15 | 410.55 | 381.35 | 352.15 | — | 293.85 | +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 | 423.25 | 411.65 | 382.45 | 353.25 | 324.15 | 294.95 | +3.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 423.65 | 411.95 | 382.85 | 353.65 | 324.45 | 295.35 | +4.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 419.65 | 412.55 | 387.85 | 358.65 | 338.45 | 309.35 | +5.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 419.65 | 412.55 | 383.35 | 354.15 | 320.55 | 291.35 | +6.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 418.35 | 412.85 | 377.55 | 353.95 | 331.35 | 290.05 | +4.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 425.75 | 414.15 | 384.95 | 355.75 | 326.65 | 297.45 | +11.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 427.55 | 415.95 | 386.75 | 357.55 | 328.45 | 299.25 | +3.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 427.95 | 416.35 | 387.15 | 357.95 | 328.85 | 299.65 | +3.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 429.05 | 417.45 | 388.25 | 359.05 | 329.95 | 300.75 | +1.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 429.55 | 417.85 | 388.65 | 359.55 | 330.35 | 301.15 | +4.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 429.55 | 417.95 | 388.75 | 359.55 | 330.45 | 301.25 | +4.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 431.85 | 420.15 | 391.05 | 361.85 | 332.65 | 303.55 | +6.8 % |
| [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 | 436.05 | 424.45 | 395.25 | 366.05 | — | 307.75 | +3.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 432.05 | 424.85 | 400.15 | 371.05 | 345.25 | 316.05 | +8.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 437.75 | 426.15 | 396.95 | 367.85 | 338.65 | 309.45 | +5.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 434.95 | 428.25 | 394.15 | 364.95 | 335.75 | 306.65 | +7.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 436.85 | 430.15 | 396.05 | 366.85 | 337.65 | 308.55 | +7.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 441.85 | 430.35 | 401.35 | 371.85 | 342.85 | 313.85 | +0.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 442.05 | 430.35 | 401.25 | 372.05 | 342.85 | 313.75 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 442.05 | 430.35 | 401.25 | 372.05 | 342.85 | 313.75 | +5.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 443.15 | 431.55 | 402.35 | 373.15 | 344.05 | 314.85 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 444.35 | 432.75 | 403.55 | 374.35 | 345.25 | 316.05 | +3.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 444.35 | 432.75 | 403.55 | 374.35 | 345.25 | 316.05 | +3.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 446.65 | 434.95 | 405.85 | 376.65 | 347.45 | 318.35 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 450.25 | 438.65 | 409.45 | 380.25 | 351.15 | 321.95 | +5.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 451.25 | 444.55 | 410.45 | 381.25 | 352.05 | 322.95 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 456.55 | 444.95 | 415.75 | 386.55 | 357.45 | 328.25 | +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 * | 457.25 | 445.75 | 416.75 | 387.25 | 358.25 | 329.25 | +6.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 459.05 | 447.35 | 418.15 | 389.05 | 359.85 | 330.65 | +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) | 459.35 | 447.85 | 418.85 | 389.35 | 360.35 | 331.35 | +9.0 % |
| [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) | 464.75 | 453.25 | 424.25 | 394.75 | 365.75 | 336.75 | +7.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 465.65 | 454.05 | 424.85 | 395.65 | 366.55 | 337.35 | +3.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 460.85 | 454.15 | 419.95 | 390.85 | 361.65 | 332.45 | +7.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 470.75 | 459.15 | 429.95 | 400.75 | — | 342.45 | +3.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 472.15 | 462.60 | 434.00 | 405.40 | 376.75 | 348.15 | +1.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 473.75 | 463.85 | 438.75 | 413.55 | 388.55 | 363.45 | +2.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 475.45 | 463.95 | 434.95 | 405.45 | 376.45 | 347.45 | +8.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 475.95 | 464.35 | 435.15 | 405.95 | 376.85 | 347.65 | +5.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 475.25 | 468.55 | 434.35 | 405.25 | 376.05 | 346.85 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 480.85 | 469.15 | 440.05 | 410.85 | 381.65 | 352.55 | +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) | 486.15 | 474.65 | 445.65 | 416.15 | 387.15 | 358.15 | +7.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 496.05 | 485.65 | 459.35 | 433.05 | 406.85 | 380.55 | +2.6 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 497.25 | 487.20 | 457.10 | 432.00 | 401.85 | 371.75 | +2.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 501.65 | 491.05 | 464.45 | 437.95 | 411.45 | 384.85 | +2.5 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 507.85 | 496.25 | 467.05 | 437.85 | 408.75 | 379.55 | +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 * | 531.75 | 520.25 | 491.25 | 461.75 | 432.75 | 403.75 | +7.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 551.75 | 540.15 | 510.95 | 481.75 | 452.65 | 423.45 | +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, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-accident/), the cheapest offer in [Niederbüren](https://praemiencheck.onedoc.ch/en/sg/niederburen/) is ÖKK (ÖKK CASAMED HMO) at 342.25 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 361.75 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 [with accident cover](https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-accident/), monthly premiums run from 342.25 CHF (ÖKK, ÖKK CASAMED HMO) to 540.15 CHF (SLKK, Standard model): 122 offers from 25 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 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 with accident cover?

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 353.85 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-accident/deductible-300/) to 233.85 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-accident/deductible-2500/): 120.00 CHF less a month, 1'440.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'900 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 with accident cover, the cheapest premium per model is: standard model 361.75 CHF (Sanitas), family doctor / HMO 342.25 CHF (ÖKK), flexible model 350.40 CHF (Sanitas), telemedicine 346.60 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 347.00 CHF at ÖKK (ÖKK CASAMED HMO) gives 342.25 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/with-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, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/sg/niederburen/child/
- Adult: https://praemiencheck.onedoc.ch/en/sg/niederburen/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/no-accident/deductible-500/
- Deductible Premiums 2027 in Niederbüren (SG), young adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-accident/deductible-300/
- Deductible Premiums 2027 in Niederbüren (SG), young adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2027 in Niederbüren (SG), young adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2027 in Niederbüren (SG), young adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-accident/deductible-2000/
- Deductible Premiums 2027 in Niederbüren (SG), young adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/sg/niederburen/young-adult/with-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`, `with-accident` with `no-accident` for the other accident cover, `deductible-500` with `deductible-2500` for another deductible. Markdown version: add `.md`.