Helsana Premed-24 — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the Premed-24 model from Helsana costs CHF 506.90 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 506.90, Premed-24 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, Premed-24 costs CHF 529.20 less per year than Helsana'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 506.90 | CHF 471.50 |
| 500 | CHF 495.30 | CHF 460.70 |
| 1'000 | CHF 466.10 | CHF 433.50 |
| 1'500 | CHF 436.90 | CHF 406.40 |
| 2'000 | CHF 407.80 | CHF 379.30 |
| 2'500 | CHF 378.60 | CHF 352.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 405.50 | CHF 377.20 |
| 500 | CHF 393.90 | CHF 366.40 |
| 1'000 | CHF 364.70 | CHF 339.20 |
| 1'500 | CHF 335.50 | CHF 312.10 |
| 2'000 | CHF 306.40 | CHF 285.00 |
| 2'500 | CHF 277.20 | CHF 257.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.50 | CHF 108.40 |
| 500 | CHF 87.40 | CHF 81.30 |
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.