ÖKK Médecin de famille — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the Médecin de famille model from ÖKK costs CHF 451.80 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 451.80, Médecin de famille 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, Médecin de famille costs CHF 602.40 less per year than ÖKK'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 451.80 | CHF 420.20 |
| 500 | CHF 440.20 | CHF 409.40 |
| 1'000 | CHF 411.00 | CHF 382.30 |
| 1'500 | CHF 381.80 | CHF 355.10 |
| 2'000 | CHF 352.70 | CHF 328.10 |
| 2'500 | CHF 323.50 | CHF 300.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 338.90 | CHF 315.20 |
| 500 | CHF 327.30 | CHF 304.40 |
| 1'000 | CHF 298.10 | CHF 277.30 |
| 1'500 | CHF 268.90 | CHF 250.10 |
| 2'000 | CHF 239.80 | CHF 223.10 |
| 2'500 | CHF 210.60 | CHF 195.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.00 | CHF 105.10 |
| 200 | CHF 101.40 | CHF 94.40 |
| 400 | CHF 89.70 | CHF 83.50 |
| 600 | CHF 78.00 | CHF 72.60 |
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.