Health insurance in Herisau: what you need to know
Herisau is the largest town and the seat of government of Appenzell Ausserrhoden, set among the gentle rolling hills of the Appenzell countryside. Once a textile town, it is today the economic and cultural heart of the region.
Herisau is in the Canton of appenzell-ausserrhoden — which forms a single premium region. Your premium therefore doesn't depend on which municipality in the canton you live in, only on the insurer and model you choose. That's exactly why comparing pays off: basic benefits are identical everywhere by law, only the price differs.
How much does health insurance cost in Herisau?
Current mandatory health insurance (KVG) premiums for Herisau (2026), based on the federal government's official rates. For identical benefits, the gap between cheapest and most expensive provider is substantial:
Cheapest premium
CHF 412 /month
Agrisano
Most expensive premium
CHF 652 /month
23 insurers compared
Savings potential per year
CHF 2'879 /year
This makes Herisau one of the cheapest areas in Switzerland — basic insurance costs around 14% less than the Swiss average. You already enjoy low premiums here, yet comparing providers still pays off.
Premium by age group
Children and young adults pay significantly less. Cheapest monthly premium per age group (children without deductible, otherwise CHF 300 deductible):
| Age group | from CHF/month | Insurer |
|---|---|---|
| Kind (0–18) | CHF 91 | Agrisano |
| Junge Erwachsene (19–25) | CHF 301 | Agrisano |
| Erwachsene (ab 26) | CHF 412 | Agrisano |
Premium by deductible
The higher the deductible (your annual excess), the lower the premium. Cheapest monthly premium per level for adults:
| Deductible | from CHF/month |
|---|---|
| CHF 300 | CHF 412 |
| CHF 500 | CHF 402 |
| CHF 1'000 | CHF 377 |
| CHF 1'500 | CHF 352 |
| CHF 2'000 | CHF 327 |
| CHF 2'500 | CHF 302 |
Premium by insurance model
Alternative models lower the premium: with the family-doctor model you see your GP first, with Telmed you call first, with HMO you go to a health centre. Typical yearly saving versus free choice of doctor:
| Model | from CHF/month | typically saves |
|---|---|---|
| Standard (Freie Arztwahl) | CHF 479 | — |
| Hausarztmodell | CHF 441 | CHF 823/year |
| HMO | CHF 437 | CHF 824/year |
| Telmed | CHF 412 | CHF 788/year |
The cheapest health insurers
The five cheapest providers for the standard profile — benefits are legally identical everywhere:
| # | Insurer | Model | from CHF/month |
|---|---|---|---|
| 1 | Agrisano | Telmed | CHF 412 |
| 2 | ÖKK | HMO | CHF 437 |
| 3 | EGK | Telmed | CHF 448 |
| 4 | Sanitas | Hausarztmodell | CHF 449 |
| 5 | SWICA | Telmed | CHF 455 |
Note: An environmental levy refund (CO₂ and VOC redistribution) of CHF 5.15 per month is credited on every premium — so the effective cost is around CHF 62 per year lower. It applies equally to all insurers and does not change the comparison.
Profile: adult, CHF 300 deductible, with accident coverage, standard models. KVG benefits are legally identical across all providers — only the price differs.
Data source: FOPH / priminfo.admin.ch 2026
Hospital coverage in Herisau
The mandatory basic insurance (KVG/LAMal) covers general hospital treatment in your canton of residence. Residents of Herisau have access to the following hospitals:
- Spitalverbund AR (Herisau, Heiden)
If you want free hospital choice or a private/semi-private room, you need a supplementary hospital insurance (VVG/LCA). In our VVG comparison.
How to switch health insurance in Herisau
- Start the comparison in the Findbetter wizard — enter ZIP 9100, age, and preferred model.
- Review the top offers and pick the best insurer.
- We auto-generate the application form. You sign digitally and we forward it FINMA-compliant via our partner Northlake Partners.
- If needed: we cancel your old insurer via registered letter — in time before November 30.
- From January 1, 2027, everything runs with your new insurer. You'll receive your new insurance card by post in December.
Full step-by-step guide → KVG switch 2027 guide
Frequently asked questions from Herisau
Which health insurance is cheapest in Herisau?+
Which price zone is Herisau in?+
By when do I need to cancel my health insurance in Herisau?+
How much can I save in Herisau?+
Sources & legal basis
The information on this page is based on official Swiss sources. Premium data comes from the federal government's official premium calculator.
Switch health insurance in Herisau
Compare all insurers for ZIP 9100 in 5 minutes — free, no phone call, no spam.
Start comparison →