Visana Combi Care — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the Combi Care model from Visana costs CHF 472.40 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 472.40, Combi Care 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, Combi Care costs CHF 1'078.80 less per year than Visana'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 472.40 | CHF 441.50 |
| 500 | CHF 465.70 | CHF 435.30 |
| 1'000 | CHF 431.60 | CHF 403.40 |
| 1'500 | CHF 402.40 | CHF 376.10 |
| 2'000 | CHF 373.20 | CHF 348.80 |
| 2'500 | CHF 344.10 | CHF 321.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 358.30 | CHF 334.90 |
| 500 | CHF 351.70 | CHF 328.70 |
| 1'000 | CHF 317.50 | CHF 296.80 |
| 1'500 | CHF 288.30 | CHF 269.50 |
| 2'000 | CHF 259.20 | CHF 242.20 |
| 2'500 | CHF 230.00 | CHF 215.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 128.50 | CHF 120.10 |
| 100 | CHF 122.70 | CHF 114.70 |
| 200 | CHF 116.80 | CHF 109.20 |
| 300 | CHF 111.00 | CHF 103.80 |
| 400 | CHF 105.20 | CHF 98.30 |
| 500 | CHF 99.30 | CHF 92.90 |
| 600 | CHF 93.50 | CHF 87.40 |
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.