KVF in the canton of Appenzell Ausserrhoden
KVF disappeared from the official file after 2021. In the canton of Appenzell Ausserrhoden its last known premium was CHF 379.80 a month, for an adult with a CHF 300 deductible and accident cover.
What it costs today
In the same place, the cheapest insurer in 2026 is Agrisano, at CHF 412.30 a month. That is the price a former KVF policyholder should compare against what they actually pay — an automatic transfer puts nobody with the cheapest.
The market average there is CHF 476.90: someone who does not compare pays CHF 775.20 more per year.
What it had done with its prices
Between 2016 and 2021, the lowest KVF premium went from CHF 315.00 to CHF 379.80 a month — a rise of +20.6 %. The table below places it next to the cheapest insurer in the same place, year by year.
| Year | This insurer | The cheapest |
|---|---|---|
| 2016 | CHF 315.00 | CHF 266.80 |
| 2017 | CHF 342.00 | CHF 288.70 |
| 2018 | CHF 360.90 | CHF 302.10 |
| 2019 | CHF 361.40 | CHF 320.40 |
| 2020 | CHF 376.30 | CHF 339.10 |
| 2021 | CHF 379.80 | CHF 336.80 |
Where did the portfolio go?
We do not say, because we do not know it from an official source. The FOPH publishes premiums, not portfolio transfers. Your current policy and statements carry the name of the insurer covering you today: that is the only reliable answer, and it is in your own paperwork.
KVF, canton by canton
Other insurers that closed
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.