Sanitas in the canton of Appenzell Innerrhoden — 2026 premiums
Sanitas covers the 5 municipalities of the canton of Appenzell Innerrhoden. Its lowest adult premium there is CHF 378.30 a month, with a 300-franc deductible and accident cover included.
Where it stands
Sanitas ranks 9 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 Sanitas to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 297.60 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 |
|---|---|---|---|
| 0 | 5 | Appenzell, Gonten, Oberegg, Schlatt-Haslen | CHF 378.30 |
The models offered by Sanitas
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| Family doctor — Hausarztmodell 1 | CHF 378.30 |
| Other model — TelMed (Compact One) | CHF 391.40 |
| HMO practice — MultiAccess | CHF 395.70 |
| Free choice of doctor — Grundversicherung | CHF 434.80 |
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 |
| Genossenschaft KRANKENKASSE SLKK | CHF 381.00 | View |
| SWICA Assurance-maladie SA | CHF 387.20 | View |
| sana24 AG | CHF 400.30 | View |
| Philos Assurance | 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 | 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 | CHF 475.20 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.