Health insurance Appenzell Innerrhoden 2026
The official premiums for canton Appenzell Innerrhoden: 23 active insurers, 5 municipalities. Pick your municipality to see your exact prices.
The lowest premium
CHF 353.50 per month
Agrisano — AGRIsmart
Adult, CHF 300 deductible, accident cover included.
Gap to the most expensive insurer: CHF 2'274 per year.
How the premium has moved
The zone’s lowest premium, year by year since 2015. The same profile every time: adult, CHF 300 deductible, accident included — otherwise the comparison would mean nothing.
That is +49.6 % over 11 years, or CHF 1'406 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 236.30 | — |
| 2016 | CHF 249.50 | +5.6 % |
| 2017 | CHF 272.50 | +9.2 % |
| 2018 | CHF 282.40 | +3.6 % |
| 2019 | CHF 280.20 | −0.8 % |
| 2020 | CHF 285.90 | +2.0 % |
| 2021 | CHF 272.10 | −4.8 % |
| 2022 | CHF 278.10 | +2.2 % |
| 2023 | CHF 310.60 | +11.7 % |
| 2024 | CHF 329.60 | +6.1 % |
| 2025 | CHF 345.60 | +4.9 % |
| 2026 | CHF 353.50 | +2.3 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
Insurers available in Appenzell Innerrhoden
Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.
| # | Insurer | From |
|---|---|---|
| 1 | AgrisanoCheapest | CHF 353.50 |
| 2 | Vivao Sympany | CHF 360.40 |
| 3 | KPT | CHF 364.90 |
| 4 | ÖKK | CHF 367.20 |
| 5 | CSS | CHF 369.80 |
| 6 | Assura-Basis | CHF 371.70 |
| 7 | Atupri | CHF 375.30 |
| 8 | CONCORDIA | CHF 378.00 |
| 9 | Sanitas | CHF 378.30 |
| 10 | SLKK | CHF 381.00 |
| 11 | SWICA | CHF 387.20 |
| 12 | sana24 | CHF 400.30 |
| 13 | Philos | CHF 402.70 |
| 14 | Visana | CHF 404.50 |
| 15 | Sumiswalder | CHF 412.00 |
| 16 | Helsana | CHF 419.90 |
| 17 | Mutuel | CHF 422.20 |
| 18 | EGK | CHF 426.30 |
| 19 | Galenos | CHF 427.00 |
| 20 | rhenusana | CHF 429.30 |
| 21 | vita surselva | CHF 431.00 |
| 22 | Aquilana | CHF 469.80 |
| 23 | Avenir | CHF 475.20 |
Every municipality in Appenzell Innerrhoden
5 municipalities, each with its official premiums.
The other cantons
Why the premium is what it is here
Care reimbursed by basic insurance costs CHF 3'567 per insured person per year in Appenzell Innerrhoden.
The Swiss average is CHF 4'834.
Appenzell Innerrhoden is the 26th most expensive canton for healthcare costs out of 26. The premium follows from that: no insurer can durably charge less than it reimburses.
These costs have changed by +28.8 % since 2016 in this canton, against +28.4 % for the Swiss average.
Across the 26 cantons, the cost of care explains 88.5 % of the premium gap. In other words: much of the difference with the neighbouring canton cannot be recovered by switching insurer.
Gross benefits per insured person, twelve-month rolling average. Source: FOPH cost monitoring (MOKKE).
The other years
The archive goes back to 2015, year by year.