Health insurance in Appenzell 2026
23 insurers offer basic cover in Appenzell (Appenzell Innerrhoden). The benefits are identical everywhere — only the price differs.
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.
23
active insurers
Single region
Insurers available in Appenzell
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 |
Where the municipality sits
Appenzell Innerrhoden has only one premium region: the lowest premium is the same across the canton, and Appenzell is no exception.
These amounts apply to all 5 municipalities in the same premium region: a premium is set per zone, never per municipality.
The postcodes of Appenzell
A postcode can straddle two municipalities in different regions. The municipality determines the premium, not the postcode — hence the list below.
- 9050 Appenzell
- 9050 Appenzell Meistersrüte
- 9050 Appenzell Schlatt
- 9056 Gais
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.
The 2 postcodes of this municipality
One postcode can cover several municipalities, and sometimes several premium regions. Each page says so.
The municipalities of the Kt. Appenzell i.Rh. district
They do not necessarily belong to the same premium region — check yours.
| Municipality | Region | Lowest premium | Gap versus here |
|---|---|---|---|
| Appenzell (here) | Single region | CHF 353.50 | — |
| Gonten | Single region | CHF 353.50 | same zone |
| Oberegg | Single region | CHF 353.50 | same zone |
| Schlatt-Haslen | Single region | CHF 353.50 | same zone |
| Schwende-Rüte | Single region | CHF 353.50 | same zone |
Single region — Appenzell Innerrhoden
The FOPH splits some cantons into several premium regions. Two neighbouring municipalities can therefore pay different prices — which is why we never show a cantonal average in place of your prices.