Mutuel PrimaFlex — Appenzell Innerrhoden
Appenzell Innerrhoden: the PrimaFlex model from Mutuel costs CHF 425.90 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 425.90, 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 679.20 less per year than Mutuel'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 425.90 | CHF 396.00 |
| 500 | CHF 414.90 | CHF 385.80 |
| 1'000 | CHF 387.40 | CHF 360.20 |
| 1'500 | CHF 359.40 | CHF 334.20 |
| 2'000 | CHF 331.80 | CHF 308.50 |
| 2'500 | CHF 304.30 | CHF 283.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 315.10 | CHF 293.10 |
| 500 | CHF 303.60 | CHF 282.40 |
| 1'000 | CHF 274.60 | CHF 255.40 |
| 1'500 | CHF 245.10 | CHF 228.00 |
| 2'000 | CHF 216.10 | CHF 201.00 |
| 2'500 | CHF 192.40 | CHF 179.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 100.50 | CHF 93.50 |
| 100 | CHF 94.70 | CHF 88.10 |
| 200 | CHF 88.90 | CHF 82.70 |
| 300 | CHF 83.00 | CHF 77.20 |
| 400 | CHF 77.20 | CHF 71.80 |
| 500 | CHF 71.40 | CHF 66.40 |
| 600 | CHF 65.50 | CHF 60.90 |
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.