Health insurance Appenzell Innerrhoden: the cheapest premiums 2027
The cheapest basic health insurance for adults in the canton of Appenzell Innerrhoden costs CHF 248.40 per month in 2027 (KPT, Telmed, deductible 2'500, across the whole canton). Benefits are set by law and identical at every insurer, you only pay a different price.
The 10 cheapest health insurers in the canton of Appenzell Innerrhoden 2027
Adults aged 26 and over, deductible CHF 2'500, with accident cover, across the whole canton. The cheapest tariff of each insurer. The change compares the same tariff with 2026.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | KPTTelmed · KPTwin.smart - Hausarzt mit App | CHF 248.40 | +5.0% |
| 2 | ÖKKHMO · ÖKK CASAMED HMO | CHF 251.10 | +5.1% |
| 3 | AssuraTelmed · MediTel | CHF 252.50 | new |
| 4 | HelsanaTelmed · Helsana BeneFit PLUS Telemed | CHF 253.50 | −13.1% |
| 5 | CSSFamily doctor · Gesundheitspraxisversicherung | CHF 267.80 | +10.9% |
| 6 | SanitasFamily doctor · Hausarztmodell 1 | CHF 274.85 | +9.9% |
| 7 | ConcordiaHMO · HMO | CHF 275.20 | +10.2% |
| 8 | AgrisanoTelmed · AGRIsmart | CHF 276.50 | +13.7% |
| 9 | AtupriTelmed · SmartCare | CHF 277.80 | +12.5% |
| 10 | Vivao SympanyTelmed · callmed 24 | CHF 282.80 | +21.8% |
Standard model with free choice of doctor
If you want no restriction on your choice of doctor: the cheapest insurers in the standard model, deductible CHF 300, across the whole canton.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | ÖKK | CHF 436.00 | +3.3% |
| 2 | KPT | CHF 438.80 | +3.5% |
| 3 | Assura | CHF 442.70 | +6.0% |
| 4 | Helsana | CHF 444.00 | −10.1% |
| 5 | Agrisano | CHF 448.00 | +9.0% |
| 6 | SLKK | CHF 450.30 | +4.0% |
| 7 | Atupri | CHF 451.20 | +7.0% |
| 8 | Swica | CHF 457.50 | +4.0% |
| 9 | Sanitas | CHF 463.40 | +6.6% |
| 10 | Sumiswalder | CHF 465.80 | +4.0% |
Consistently cheap in the canton of Appenzell Innerrhoden
Not just cheap this year, but over the years: the five insurers with the best score in the Price Consistency Rating, calculated for the canton’s main region. The last column shows in how many years since 2020 the insurer was among the 5 cheapest here (deductible 2'500).
| Insurer | Score | Years among the 5 cheapest |
|---|---|---|
| ÖKK | 8.9 | 3 of 8 |
| Concordia | 8.7 | 5 of 8 |
| KPT | 8.6 | 4 of 8 |
| Agrisano | 8.5 | 3 of 8 |
| Sanitas | 7.7 | 3 of 8 |
ÖKK is the most price-consistent health insurer in the canton of Appenzell Innerrhoden in 2027.
Cheapest last year, and now?
The cheapest tariff of 2026 in the premium region of the canton and what the same tariff costs in 2027. Adults, deductible 2'500, without accident cover, per month. If you switched to the cheapest insurer last year, compare again this year.
| Region | Cheapest 2026 | 2026 | 2027 | Change | Rank 2027 |
|---|---|---|---|---|---|
| whole canton | Vivao SympanyFamily doctor · callmed 24 | CHF 215.90 | CHF 263.10 | +21.9%Market +6.0% | 9 of 23 |
How much each insurer raises premiums in the canton of Appenzell Innerrhoden
Change in the standard premium from 2026 to 2027, deductible 300, adults, average across premium regions. The smallest increase is at the top. Canton average: +4.7%.
| Insurer | Ø Standard 2027 | vs. 2026 |
|---|---|---|
| Helsana | CHF 444 | −10.1% |
| Mutuel | CHF 482 | +0.0% |
| vita surselva | CHF 468 | +3.1% |
| ÖKK | CHF 436 | +3.3% |
| KPT | CHF 439 | +3.5% |
| Visana | CHF 494 | +3.8% |
| SLKK | CHF 450 | +4.0% |
| Aquilana | CHF 562 | +4.0% |
| Swica | CHF 458 | +4.0% |
| rhenusana | CHF 496 | +4.0% |
| EGK | CHF 534 | +4.0% |
| Sumiswalder | CHF 466 | +4.0% |
| sana24 | CHF 485 | +4.3% |
| Avenir | CHF 568 | +4.5% |
| Philos | CHF 497 | +5.5% |
| Galenos | CHF 524 | +5.6% |
| Assura | CHF 443 | +6.0% |
| Sanitas | CHF 463 | +6.6% |
| Atupri | CHF 451 | +7.0% |
| CSS | CHF 466 | +7.1% |
| Concordia | CHF 466 | +8.0% |
| Agrisano | CHF 448 | +9.0% |
| Vivao Sympany | CHF 478 | +14.1% |
Frequently asked questions
Which health insurer is cheapest in the canton of Appenzell Innerrhoden in 2027?
For adults with a 2'500 deductible and accident cover, KPT (Telmed) is the cheapest at CHF 248.40 per month, across the whole canton. In the standard model with a 300 deductible it is ÖKK at CHF 436.00.
How much are health insurance premiums rising in 2027 in the canton of Appenzell Innerrhoden?
The standard premium for adults with a 300 deductible rises by +4.7% on average in the canton of Appenzell Innerrhoden, weighted by each insurer’s number of insured persons. Across Switzerland, the average premium rises by 5.0% according to the FOPH.
When is the deadline to switch health insurer for 2027?
Your cancellation of basic insurance must reach your insurer by 30 November 2026. The new insurer must accept you without health questions, and the switch takes effect on 1 January 2027.
Source: Federal Office of Public Health (FOPH), premiums 2027 and 2026 (opendata.swiss). No liability for accuracy. How we calculate: methodology. All cantons: overview.