Aquilana SMARTMED — Appenzell Innerrhoden
Appenzell Innerrhoden: the SMARTMED model from Aquilana costs CHF 469.80 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 469.80, SMARTMED is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 841.20 less per year than Aquilana's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 469.80 | CHF 437.10 |
| 500 | CHF 459.80 | CHF 427.70 |
| 1'000 | CHF 434.40 | CHF 404.10 |
| 1'500 | CHF 409.00 | CHF 380.50 |
| 2'000 | CHF 379.20 | CHF 352.70 |
| 2'500 | CHF 349.90 | CHF 325.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 347.80 | CHF 323.60 |
| 500 | CHF 337.80 | CHF 314.20 |
| 1'000 | CHF 312.30 | CHF 290.50 |
| 1'500 | CHF 287.00 | CHF 266.90 |
| 2'000 | CHF 258.50 | CHF 240.50 |
| 2'500 | CHF 245.20 | CHF 228.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 108.20 | CHF 100.70 |
| 100 | CHF 103.20 | CHF 96.00 |
| 200 | CHF 98.20 | CHF 91.40 |
| 300 | CHF 93.10 | CHF 86.60 |
| 400 | CHF 87.00 | CHF 81.00 |
| 500 | CHF 80.90 | CHF 75.30 |
The price, region by region
- Aargau
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.