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Premiums 2027 · Canton of Appenzell Innerrhoden

Health insurance premiums 2027 in the canton of Appenzell Innerrhoden

In 2027, the cheapest monthly basic insurance premium for an adult (26 and over, with accident cover, CHF 300 deductible, standard model) in the canton of Appenzell Innerrhoden is CHF 436.00 with ÖKK. With an alternative model and the CHF 2'500 deductible it drops to CHF 248.40 (KPT – KPTwin.smart - Hausarzt mit App (telmed)). The dearest standard premium reaches CHF 567.50, that is CHF 1'578 more a year for the same care.

Official 2027 FOPH premiums, published on . Page updated on .

436.00cheapest adult premium a month (CHF), standard, CHF 300 deductible
248.40cheapest across all models (CHF), CHF 2,500 deductible
23health insurers active in the canton
+4.6%average rise of the standard model vs 2026

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For an adult with accident cover, the cheapest standard offer in the canton of Appenzell Innerrhoden is ÖKK at CHF 436.00 a month (CHF 300 deductible), against CHF 422.00 in 2026. Across all models, the cheapest is KPT – KPTwin.smart - Hausarzt mit App (telmed) at CHF 376.70. With the CHF 2,500 deductible it falls to CHF 248.40 (KPT – KPTwin.smart - Hausarzt mit App (telmed)). The median standard premium is CHF 466.40. On average, standard-model premiums rise by +4.6% compared with 2026.

Monthly premium in CHF, canton of Appenzell Innerrhoden, 2027, with accident cover
ProfileStandard, min. deductibleAll models, min. deductibleAll models, max. deductibleDearest standardGap per year
Adults (26+)CHF 436.00CHF 376.70CHF 248.40CHF 567.50CHF 1'578
Young adults (19–25)CHF 316.90CHF 282.90CHF 170.40CHF 429.20CHF 1'348
Children (0–18)CHF 98.60CHF 84.20CHF 54.60CHF 146.40CHF 574

Minimum deductible: CHF 300 for adults and young adults, CHF 0 for children. Maximum deductible: CHF 2,500 (adults, young adults) and CHF 600 (children). "Standard" = free choice of doctor. The gap per year compares the dearest and the cheapest standard premium at the minimum deductible.

The cheapest offers

  • Adults (26 and over): ÖKK, CHF 436.00 (standard model, CHF 300 deductible) · all models: KPT – KPTwin.smart - Hausarzt mit App (telmed), CHF 376.70 · CHF 2'500 deductible: KPT – KPTwin.smart - Hausarzt mit App (telmed), CHF 248.40
  • Young adults (19 to 25): CSS, CHF 316.90 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 282.90 · CHF 2'500 deductible: CSS – Gesundheitspraxisversicherung (family doctor), CHF 170.40
  • Children (0 to 18): Agrisano, CHF 98.60 (standard model, CHF 0 deductible) · all models: KPT – KPTwin.smart - Hausarzt mit App (telmed), CHF 84.20 · CHF 600 deductible: Assura – MediTel (telmed), CHF 54.60

For a child, the cheapest standard premium is CHF 98.60 a month (Agrisano, CHF 0 deductible) and CHF 54.60 with the CHF 600 deductible (Assura – MediTel (telmed)).

Municipalities (5): Schwende-Rüte, Schlatt-Haslen, Oberegg, Appenzell, Gonten. Type your postcode into the comparator to find your region.

The 23 health insurers active in the canton of Appenzell Innerrhoden

Agrisano, Aquilana, Assura, Atupri, Avenir, Concordia, CSS, EGK, Galenos, Helsana, KPT, Mutuel Assurance, ÖKK, Philos, rhenusana, sana24, Sanitas, SLKK, Sumiswalder Krankenkasse, SWICA, Sympany, Visana, vita surselva.

All of them offer exactly the same benefits for basic insurance. None may turn you down. Each insurer has its own page: premiums by canton, rank, models.

Frequently asked questions

01Which health insurer is the cheapest in the canton of Appenzell Innerrhoden in 2027?

For an adult with accident cover, standard model and CHF 300 deductible, it is ÖKK at CHF 436.00 a month. By accepting an alternative model (family doctor, telemedicine) and the CHF 2,500 deductible, the lowest premium is CHF 248.40 with KPT – KPTwin.smart - Hausarzt mit App (telmed). The cheapest insurer depends on your age, deductible and model: the comparator gives the full ranking for your profile.

02How much does basic insurance cost for a child in the canton of Appenzell Innerrhoden?

In 2027, the cheapest standard premium for a child (0 to 18, CHF 0 deductible) in the canton of Appenzell Innerrhoden is CHF 98.60 a month with Agrisano, and the dearest CHF 146.40. Children pay no more than CHF 350 of co-payment a year and no deductible is compulsory.

03Are premiums rising in the canton of Appenzell Innerrhoden in 2027?

Yes: for adults on the standard model (CHF 300 deductible), premiums in the canton of Appenzell Innerrhoden rise by +4.6% on average between 2026 and 2027, against an average rise of +5.0% in Switzerland according to the FOPH. The rise differs from one insurer to the next, which often changes the ranking: compare every autumn.

04Until when can you switch insurer in the canton of Appenzell Innerrhoden for 2027?

As everywhere in Switzerland, the cancellation letter must reach your current insurer by 30 November 2026 at the latest. The switch takes effect on 1 January 2027. See switch insurer in 5 steps.

Source: Federal Office of Public Health (FOPH), approved 2027 premiums, opendata.swiss dataset of , processed by PremiMatch on . Figures with accident cover; employees working 8 hours a week or more pay slightly less without it. Always check your offer on priminfo.admin.ch.

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