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

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

- **285.85 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/deductible-300/) (Agrisano, AGRIsmart)
- **177.25 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/deductible-2500/) (CSS, HMO (health practice))

## Without accident cover: from 177.25 to 454.15 CHF a month depending on the deductible and the model

122 offers from 25 health insurers. With a deductible of 300 CHF, the cheapest is **285.85 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 454.15 CHF with SLKK (Standard model).

Lowest premium:
- 300 CHF: 285.85 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/deductible-300/
- 500 CHF: 276.35 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/deductible-500/
- 1'000 CHF: 252.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 228.65 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 204.35 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 177.25 CHF (CSS, HMO (health practice)) — https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 285.85 | 276.35 | 252.45 | 228.65 | 204.85 | 181.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 296.55 | 285.75 | 258.55 | 231.45 | 204.35 | 177.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 297.35 | 286.55 | 259.35 | 232.25 | 205.15 | 190.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 297.35 | 286.55 | 259.35 | 232.25 | 205.15 | 190.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 301.15 | 291.05 | 265.95 | 240.95 | 215.85 | 190.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 302.25 | 291.45 | 264.35 | 237.15 | 210.15 | 190.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 306.15 | 295.95 | 270.55 | 244.95 | 219.45 | 194.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 308.35 | 297.55 | 270.35 | 243.25 | 216.15 | 190.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 309.25 | 298.45 | 271.25 | 244.15 | 217.05 | 189.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 309.25 | 298.45 | 271.25 | 244.15 | 217.05 | 189.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 309.45 | 300.05 | 276.55 | 252.95 | 229.35 | 205.75 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 310.65 | 304.05 | 282.95 | 258.25 | 232.95 | 199.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 310.85 | 300.15 | 272.95 | 245.75 | 218.75 | 194.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 311.15 | 300.05 | 272.35 | 244.65 | 216.95 | 189.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 311.20 | 300.40 | 273.20 | 246.05 | 218.95 | 191.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 311.35 | 300.55 | 273.35 | 246.15 | 219.05 | 191.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 312.05 | 301.05 | 273.25 | 245.55 | 217.95 | 190.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 312.45 | 305.75 | 284.65 | 260.05 | 234.75 | 201.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 314.50 | 303.70 | 276.50 | 249.35 | 222.25 | 195.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 314.50 | 303.70 | 276.50 | 249.35 | 222.25 | 195.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 314.50 | 303.70 | 276.50 | 249.35 | 222.25 | 195.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 314.55 | 303.75 | 276.55 | 249.45 | 222.35 | 195.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 314.65 | 303.85 | 276.65 | 249.45 | 222.35 | 195.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 314.65 | 303.85 | 276.65 | 249.45 | 222.35 | 195.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 316.25 | 305.45 | 282.05 | 254.85 | 224.05 | 196.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 317.45 | 306.65 | 279.45 | 252.35 | 225.25 | 198.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 317.75 | 306.95 | 286.55 | 259.35 | 232.35 | 205.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 318.05 | 307.15 | 279.55 | 251.95 | 224.45 | 196.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 319.25 | 308.45 | 281.35 | 254.15 | 227.15 | 199.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 320.55 | 309.75 | 282.65 | 255.45 | 228.35 | 201.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 321.85 | 310.95 | 283.35 | 255.75 | 228.25 | 200.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 322.35 | 312.45 | 287.45 | 262.55 | 237.65 | 212.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 322.35 | 312.45 | 287.45 | 262.55 | 237.65 | 212.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 322.45 | 311.65 | 284.55 | 257.35 | 230.25 | 203.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 324.05 | 313.25 | 286.05 | 259.05 | 231.85 | 205.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 324.45 | 313.65 | 286.55 | 259.35 | 232.35 | 205.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 324.45 | 313.65 | 286.55 | 259.35 | 232.35 | 205.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 324.45 | 313.65 | 286.45 | 259.35 | 232.25 | 205.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 324.65 | 313.75 | 295.95 | 268.85 | 234.25 | 207.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 327.75 | 316.95 | 289.65 | 262.35 | 235.15 | 207.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 327.75 | 316.95 | 289.65 | 262.35 | 235.15 | 207.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 328.95 | 318.05 | 290.85 | 263.55 | 236.25 | 209.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 329.85 | 318.85 | 291.05 | 263.35 | 235.65 | 207.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 329.85 | 318.85 | 291.05 | 263.35 | 235.65 | 207.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 330.05 | 319.25 | 292.15 | 264.95 | 237.95 | 210.75 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 331.35 | 320.35 | 292.75 | 265.15 | 237.65 | 210.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 331.45 | 325.25 | 293.25 | 266.05 | 238.75 | 211.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 332.05 | 321.15 | 294.05 | 266.95 | 239.75 | 212.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 332.05 | 321.15 | 294.05 | 266.95 | 239.75 | 212.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 332.85 | 322.15 | 295.15 | 267.75 | 240.75 | 213.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 332.95 | 322.15 | 309.85 | 293.95 | 274.25 | 247.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 333.25 | 322.15 | 294.45 | 266.75 | 239.05 | 211.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 333.35 | 322.55 | 295.45 | 268.25 | — | 214.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 334.75 | 324.05 | 297.05 | 269.65 | 242.65 | 215.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 335.15 | 324.45 | 297.45 | 270.05 | 243.05 | 216.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 335.85 | 329.55 | 297.65 | 270.35 | 243.15 | 215.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 336.05 | 325.25 | 298.15 | 270.95 | — | 216.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 336.15 | 325.35 | 298.15 | 271.05 | 243.95 | 216.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 336.15 | 325.35 | 298.15 | 271.05 | 243.95 | 216.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 336.65 | 325.95 | 299.05 | 271.55 | 244.65 | 217.65 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 337.05 | 326.35 | 299.45 | 271.95 | 245.05 | 218.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 339.45 | 332.35 | 305.25 | 278.15 | 247.25 | 220.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 340.15 | 329.35 | 302.15 | 275.05 | 247.95 | 220.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 343.25 | 332.35 | 305.25 | 278.15 | 250.95 | 223.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 344.25 | 333.45 | 306.25 | 279.15 | 252.05 | 224.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 344.35 | 333.65 | 306.65 | 279.25 | 252.25 | 225.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 346.05 | 335.15 | 308.05 | 282.75 | 257.45 | 234.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 347.05 | 336.25 | 309.05 | 281.95 | — | 227.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 347.55 | 336.65 | 309.35 | 282.15 | 254.85 | 227.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 348.25 | 337.35 | 310.15 | 282.85 | 255.65 | 228.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 348.85 | 338.15 | 311.15 | 283.75 | 256.75 | 229.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 348.95 | 338.05 | 310.85 | 283.55 | 256.25 | 229.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 349.85 | 339.05 | 311.85 | 284.75 | — | 230.55 |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Glarnermed-24 | 350.35 | 339.85 | 313.85 | 287.85 | 261.75 | 235.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 350.85 | 340.15 | 312.95 | 285.85 | 258.75 | 231.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 351.25 | 340.35 | 313.05 | 285.85 | 258.55 | 231.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 351.85 | 340.95 | 313.65 | 286.45 | 259.15 | 231.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 351.85 | 340.95 | 313.65 | 286.45 | 259.15 | 231.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 352.25 | 341.55 | 314.35 | 287.15 | 260.15 | 232.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 352.25 | 341.55 | 314.35 | 287.15 | 260.15 | 232.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 352.25 | 341.55 | 314.35 | 287.15 | 260.15 | 232.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 352.75 | 342.05 | 315.05 | 287.65 | 260.65 | 233.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 353.65 | 343.85 | 317.45 | 295.35 | 272.75 | 234.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 355.95 | 345.25 | 318.35 | 290.85 | 263.85 | 236.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 356.45 | 345.65 | 318.55 | 291.45 | 264.35 | 237.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 358.95 | 347.95 | 320.25 | 292.45 | 264.85 | 237.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 359.25 | 348.45 | 321.35 | 294.15 | 267.15 | 239.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 359.55 | 353.35 | 321.35 | 294.15 | 266.85 | 239.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 359.55 | 353.35 | 321.35 | 294.15 | 266.85 | 239.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 360.75 | 349.95 | 322.75 | 295.65 | — | 241.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 364.45 | 353.75 | 326.75 | 299.35 | 272.35 | 245.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 364.45 | 353.65 | 326.55 | 299.35 | 272.35 | 245.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 366.45 | 355.55 | 328.45 | 301.35 | 274.25 | 247.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 366.45 | 355.55 | 328.45 | 301.35 | 274.25 | 247.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 366.85 | 355.95 | 328.75 | 301.45 | 274.15 | 246.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 368.55 | 357.75 | 330.65 | 303.45 | 276.45 | 249.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 368.65 | 357.95 | 330.95 | 303.55 | 276.55 | 249.55 |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 369.05 | 358.05 | 330.65 | 303.25 | 275.80 | 248.40 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 371.45 | 365.25 | 333.25 | 306.05 | 278.75 | 251.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 372.15 | 361.25 | 333.95 | 306.65 | 279.45 | 252.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 372.85 | 361.95 | 334.35 | 306.75 | 279.25 | 251.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 375.85 | 364.95 | 337.75 | 310.75 | 283.55 | 256.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 376.15 | 365.25 | 338.05 | 310.75 | 283.45 | 256.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 378.95 | 368.25 | 341.25 | 313.85 | 286.85 | 259.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 379.35 | 373.15 | 341.15 | 313.95 | 286.65 | 259.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 380.25 | 369.35 | 342.05 | 314.85 | 287.55 | 260.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 381.35 | 370.65 | 343.65 | 316.25 | 289.25 | 262.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 384.25 | 373.35 | 346.15 | 318.85 | 291.55 | 264.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 385.95 | 375.25 | 348.25 | 320.85 | 293.85 | 266.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 388.15 | 377.35 | 350.25 | 323.05 | — | 268.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 389.85 | 380.45 | 356.85 | 333.25 | 309.75 | 286.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 391.25 | 385.05 | 353.05 | 325.85 | 298.55 | 271.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 396.45 | 385.55 | 358.25 | 331.05 | 303.75 | 276.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 400.45 | 389.55 | 362.35 | 335.05 | 307.85 | 280.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 401.15 | 390.35 | 363.15 | 336.05 | 308.95 | 281.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 408.25 | 398.45 | 373.75 | 349.05 | 324.35 | 299.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 412.85 | 402.85 | 377.95 | 352.95 | 328.05 | 303.05 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 414.30 | 405.90 | 376.55 | 347.20 | 317.85 | 288.50 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 417.25 | 406.55 | 379.55 | 352.15 | 325.15 | 298.15 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 432.65 | 421.85 | 394.35 | 366.95 | 339.55 | 312.15 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 436.20 | 427.35 | 396.50 | 370.00 | 339.05 | 312.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 454.15 | 443.25 | 415.85 | 388.35 | 361.05 | 333.55 |

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

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

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

In 2026, without accident cover, the cheapest offer in [Schmerikon](https://praemiencheck.onedoc.ch/en/sg/schmerikon/) is Agrisano (AGRIsmart) at 285.85 CHF a month. The cheapest standard model (free choice of doctor) is CSS (Standard model) at 324.45 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/) with a deductible of 300 CHF and without accident cover, monthly premiums run from 285.85 CHF (Agrisano, AGRIsmart) to 454.15 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: 274.85 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 285.85 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/deductible-300/) to 181.05 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/deductible-2500/): 104.80 CHF less a month, 1'257.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'697 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Schmerikon for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, the cheapest premium per model is: standard model 324.45 CHF (CSS), family doctor / HMO 296.55 CHF (CSS), flexible model 297.35 CHF (Assura), telemedicine 285.85 CHF (Agrisano).

### Why is the FOPH-approved premium higher than the price shown?

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 291.00 CHF at Agrisano (AGRIsmart) gives 285.85 CHF after redistribution.

### Until when can I change health insurer for 2026?

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/

## Related pages

- Without accident cover: from 177.25 to 454.15 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/sg/schmerikon/young-adult/no-accident/

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