CSS Multimed — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the Multimed model from CSS costs CHF 486.30 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 486.30, Multimed is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Multimed costs CHF 872.40 less per year than CSS'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 486.30 | CHF 452.30 |
| 500 | CHF 474.70 | CHF 441.50 |
| 1'000 | CHF 445.50 | CHF 414.30 |
| 1'500 | CHF 416.30 | CHF 387.20 |
| 2'000 | CHF 387.20 | CHF 360.10 |
| 2'500 | CHF 358.00 | CHF 333.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 363.40 | CHF 337.90 |
| 500 | CHF 351.80 | CHF 327.10 |
| 1'000 | CHF 322.60 | CHF 300.00 |
| 1'500 | CHF 293.40 | CHF 272.80 |
| 2'000 | CHF 264.30 | CHF 245.80 |
| 2'500 | CHF 235.10 | CHF 218.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.70 | CHF 108.50 |
| 100 | CHF 110.90 | CHF 103.20 |
| 200 | CHF 105.10 | CHF 97.80 |
| 300 | CHF 99.20 | CHF 92.30 |
| 400 | CHF 93.40 | CHF 86.90 |
| 600 | CHF 81.70 | CHF 76.00 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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.