Avenir PrimaFlex — Appenzell Innerrhoden
Appenzell Innerrhoden: the PrimaFlex model from Avenir costs CHF 477.90 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 477.90, PrimaFlex 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, PrimaFlex costs CHF 781.20 less per year than Avenir'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 477.90 | CHF 444.40 |
| 500 | CHF 466.90 | CHF 434.20 |
| 1'000 | CHF 439.40 | CHF 408.60 |
| 1'500 | CHF 411.40 | CHF 382.60 |
| 2'000 | CHF 383.80 | CHF 356.90 |
| 2'500 | CHF 356.30 | CHF 331.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 363.40 | CHF 338.00 |
| 500 | CHF 351.90 | CHF 327.30 |
| 1'000 | CHF 322.90 | CHF 300.30 |
| 1'500 | CHF 293.40 | CHF 272.90 |
| 2'000 | CHF 264.40 | CHF 245.90 |
| 2'500 | CHF 235.40 | CHF 219.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.30 | CHF 116.60 |
| 100 | CHF 119.50 | CHF 111.20 |
| 200 | CHF 113.70 | CHF 105.80 |
| 300 | CHF 107.80 | CHF 100.30 |
| 400 | CHF 102.00 | CHF 94.90 |
| 500 | CHF 96.20 | CHF 89.50 |
| 600 | CHF 90.30 | CHF 84.00 |
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.