Helsana Premed-24 — Appenzell Innerrhoden
Appenzell Innerrhoden: the Premed-24 model from Helsana costs CHF 454.40 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 454.40, Premed-24 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, Premed-24 costs CHF 475.20 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 454.40 | CHF 422.60 |
| 500 | CHF 442.80 | CHF 411.90 |
| 1'000 | CHF 413.60 | CHF 384.70 |
| 1'500 | CHF 384.40 | CHF 357.50 |
| 2'000 | CHF 355.30 | CHF 330.50 |
| 2'500 | CHF 326.10 | CHF 303.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 363.50 | CHF 338.10 |
| 500 | CHF 351.90 | CHF 327.30 |
| 1'000 | CHF 322.70 | CHF 300.20 |
| 1'500 | CHF 293.50 | CHF 273.00 |
| 2'000 | CHF 264.40 | CHF 245.90 |
| 2'500 | CHF 235.20 | CHF 218.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 104.50 | CHF 97.20 |
| 500 | CHF 75.40 | CHF 70.20 |
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.