Health insurance in canton Appenzell Ausserrhoden: premiums 2026 compared
Official basic insurance premiums — premium region Herisau
CHF 431.65
Cheapest premium (CHF 300 deductible)
CHF 499.87
Average (CHF 300 deductible)
CHF 303.35
Cheapest premium (CHF 2,500 deductible)
108
Tariffs compared
Appenzell Ausserrhoden has around 55,000 residents in 20 municipalities and forms a single premium region for basic insurance — the same tariff area applies from Herisau to Heiden. The canton is rural and hilly: primary care rests heavily on family-doctor practices, while many residents head to nearby St. Gallen for specialised hospital treatment.
The 5 cheapest health insurers in canton Appenzell Ausserrhoden
ÖKK
Gesundheitszentrum
TAR-HMO
CHF 431.65
KPT
KPTwin.smart
TAR-DIV
CHF 438.85
EGK
EGK-TelCare
TAR-DIV
CHF 442.75
Sanitas
Hausarztmodell 1
TAR-HAM
CHF 443.50
ÖKK
Hausarzt
TAR-HAM
CHF 446.65
| Insurer | Tariff | Model | Premium/month |
|---|---|---|---|
| ÖKK | Gesundheitszentrum | TAR-HMO | CHF 431.65 |
| KPT | KPTwin.smart | TAR-DIV | CHF 438.85 |
| EGK | EGK-TelCare | TAR-DIV | CHF 442.75 |
| Sanitas | Hausarztmodell 1 | TAR-HAM | CHF 443.50 |
| ÖKK | Hausarzt | TAR-HAM | CHF 446.65 |
Adult (born 1990), CHF 300 deductible, with accident cover, premium region Herisau — official FOPH premiums 2026 · 28.07.2026
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Calculate premiums for canton Appenzell Ausserrhoden →Frequently asked questions — health insurance in canton Appenzell Ausserrhoden
How many premium regions does Appenzell Ausserrhoden have?▼
The canton forms a single premium region: an insurer's basic-insurance premium is the same in all 20 municipalities — whether you live in Herisau, Teufen or Heiden. Differences arise solely from your choice of insurer, deductible and insurance model.
What should insured persons in Appenzell Ausserrhoden pay attention to?▼
In rural Ausserrhoden, the family-doctor model is often the most natural way to save — check that your GP is on the doctor list of the insurer you are considering. Many specialised treatments take place in St. Gallen; telemedicine models work regardless of where you live and are easy to use even in the Vorderland and Hinterland municipalities.
How do I switch health insurer in Appenzell Ausserrhoden?▼
Your written cancellation of basic insurance must reach your current insurer by 30 November at the latest. The contract then ends on 31 December and the new policy starts on 1 January. No health check is required — every insurer must accept you unconditionally, in Ausserrhoden too.