ÖKK in the canton of Appenzell Innerrhoden — 2026 premiums
ÖKK covers the 5 municipalities of the canton of Appenzell Innerrhoden. Its lowest adult premium there is CHF 367.20 a month, with a 300-franc deductible and accident cover included.
Where it stands
ÖKK ranks 4 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 ÖKK to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 164.40 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 367.20 |
The models offered by ÖKK
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 — Gesundheitszentrum | CHF 367.20 |
| Family doctor — Hausarzt | CHF 379.80 |
| Other model — Telemedizin | CHF 386.20 |
| Free choice of doctor — Grundversicherung | CHF 422.00 |
The twelve years, year by year
Since 2015, the lowest ÖKK premium here has moved by +45.0 %, against +49.6 % for the cheapest insurer in the same place. The twelve years, year by year
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 |
| 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 |
| Mutuel Assurance Maladie SA | CHF 422.20 | 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.