Mutuel in the canton of Appenzell Innerrhoden — 2026 premiums
Mutuel covers the 5 municipalities of the canton of Appenzell Innerrhoden. Its lowest adult premium there is CHF 422.20 a month, with a 300-franc deductible and accident cover included.
Where it stands
Mutuel ranks 17 out of 23 active insurers in the canton of Appenzell Innerrhoden, cheapest to dearest.
The cantonal average across all insurers is CHF 400.33 a month.
What switching would save you
Moving from Mutuel to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 824.40 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 Innerrhoden
This canton has a single premium region: the rate is the same everywhere.
| Region | Municipalities | For example | From |
|---|---|---|---|
| Region 0 | 5 | Appenzell, Gonten, Oberegg, Schlatt-Haslen | CHF 422.20 |
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 |
|---|---|
| Other model — SanaTel | CHF 422.20 |
| HMO practice — OptiMed | CHF 424.60 |
| Family doctor — PrimaCare | CHF 439.10 |
| Free choice of doctor — Grundversicherung | CHF 482.50 |
The twelve years, year by year
Since 2015, the lowest Mutuel premium here has moved by +59.2 %, against +49.6 % for the cheapest insurer in the same place. The twelve years, year by year
Same group, a different price
- In this region Philos belongs to the same group as the insurer above — Groupe Mutuel — and costs CHF 234.00 less per year, for cover the law defines word for word the same way. CHF 402.70
- In this region Avenir belongs to the same group — Groupe Mutuel — and costs CHF 636.00 more per year. You are already on the right side. CHF 475.20
Two brands of the same house share reserves and management; their prices do not. Switching inside a group is still a real change of contract: the same cancellation rules apply.
The other insurers in the canton of Appenzell Innerrhoden
23 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 353.50 | View |
| Vivao Sympany SA | CHF 360.40 | View |
| KPT Caisse-maladie SA | CHF 364.90 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 367.20 | View |
| CSS Assurance-maladie SA | CHF 369.80 | View |
| Assura-Basis SA | CHF 371.70 | View |
| Atupri Assurance de la santé SA | CHF 375.30 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 378.00 | View |
| Sanitas Grundversicherungen AG | CHF 378.30 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 381.00 | View |
| SWICA Assurance-maladie SA | CHF 387.20 | View |
| sana24 AG | CHF 400.30 | View |
| Philos Assurance Maladie SA | CHF 402.70 | View |
| Visana AG | CHF 404.50 | View |
| Sumiswalder Krankenkasse | CHF 412.00 | View |
| Helsana Assurances SA | CHF 419.90 | View |
| EGK Grundversicherungen AG | CHF 426.30 | View |
| Galenos AG | CHF 427.00 | View |
| rhenusana | CHF 429.30 | View |
| vita surselva | CHF 431.00 | View |
| Aquilana Versicherungen | CHF 469.80 | View |
| Avenir Assurance Maladie SA | CHF 475.20 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.