vita surselva in the canton of Appenzell Ausserrhoden — 2026 premiums
vita surselva covers the 20 municipalities of the canton of Appenzell Ausserrhoden. Its lowest adult premium there is CHF 489.00 a month, with a 300-franc deductible and accident cover included.
Where it stands
vita surselva ranks 18 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 vita surselva to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 920.40 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 489.00 |
The models offered by vita surselva
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 — Sparmed | CHF 489.00 |
| Free choice of doctor — Grundversicherung | CHF 516.00 |
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 |
| Avenir Assurance | CHF 498.40 | View |
| Philos Assurance | CHF 525.40 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 535.00 | View |
| Mutuel Assurance | CHF 558.50 | 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.