Mutuel in the canton of Appenzell Ausserrhoden — 2026 premiums
Mutuel covers the 20 municipalities of the canton of Appenzell Ausserrhoden. Its lowest adult premium there is CHF 558.50 a month, with a 300-franc deductible and accident cover included.
Where it stands
Mutuel ranks 22 out of 23 active insurers in the canton of Appenzell Ausserrhoden, cheapest to dearest.
The cantonal average across all insurers is CHF 476.90 a month.
What switching would save you
Moving from Mutuel to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 1'754.40 a year — for strictly identical cover, since the law requires the same benefits from every insurer.
The figure is for an adult with a 300-franc deductible and accident cover. Your actual gap depends on your age, your deductible and your municipality — the comparator works it out for your situation.
Premium regions in the canton of Appenzell Ausserrhoden
This canton has a single premium region: the rate is the same everywhere.
| Region | Municipalities | For example | From |
|---|---|---|---|
| 0 | 20 | Bühler, Gais, Grub (AR), Heiden | CHF 558.50 |
The models offered by Mutuel
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| HMO practice — OptiMed | CHF 558.50 |
| Other model — PrimaFlex | CHF 560.10 |
| Family doctor — PrimaCare | CHF 577.50 |
| Free choice of doctor — Grundversicherung | CHF 634.60 |
The other insurers in the canton of Appenzell Ausserrhoden
23 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 412.30 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 436.80 | View |
| KPT Caisse-maladie SA | CHF 444.00 | View |
| EGK Grundversicherungen AG | CHF 447.90 | View |
| Sanitas Grundversicherungen AG | CHF 448.65 | View |
| SWICA Assurance-maladie SA | CHF 454.60 | View |
| Aquilana Versicherungen | CHF 456.10 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 456.20 | View |
| Vivao Sympany SA | CHF 459.40 | View |
| rhenusana | CHF 462.60 | View |
| Assura-Basis SA | CHF 462.60 | View |
| Helsana Assurances SA | CHF 468.30 | View |
| sana24 AG | CHF 471.20 | View |
| Sumiswalder Krankenkasse | CHF 471.80 | View |
| Visana AG | CHF 472.40 | View |
| CSS Assurance-maladie SA | CHF 475.20 | View |
| Galenos AG | CHF 488.40 | View |
| vita surselva | CHF 489.00 | View |
| Avenir Assurance | CHF 498.40 | View |
| Philos Assurance | CHF 525.40 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 535.00 | View |
| Atupri Assurance de la santé SA | CHF 573.90 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.