Key points at a glance
This page is written for residents of Grub, in the canton of Appenzell Ausserrhoden, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Grub, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
What sets your premium is your FOPH premium region (Grub belongs to region 0 in the canton of Appenzell Ausserrhoden) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Grub has roughly 1’008 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Grub, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Heiden (2 km), Rorschacherberg (2 km), Rehetobel (3 km).
Grub at a glance: your local context
Grub, a municipality of roughly 1’008 residents in the canton of Appenzell Ausserrhoden, has its own profile when it comes to health insurance. Grub lies in premium region 0 of the canton of Appenzell Ausserrhoden (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 1’008
- Canton: Appenzell Ausserrhoden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 9035
- Federal municipality number (BFS): 3031
Applying for premium subsidies around Grub: compare neighbouring municipalities
Around Grub, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Applying for premium subsidies in Heiden — 1.8 km away
- Applying for premium subsidies in Rorschacherberg — 2.2 km away
- Applying for premium subsidies in Rehetobel — 3.1 km away
- Applying for premium subsidies in Wolfhalden — 3.2 km away
- Applying for premium subsidies in Eggersriet — 3.2 km away
- Applying for premium subsidies in Rorschach — 3.6 km away
- Applying for premium subsidies in Wald — 3.9 km away
- Applying for premium subsidies in Oberegg — 4.4 km away
- Applying for premium subsidies in Thal — 4.8 km away
- Applying for premium subsidies in Untereggen — 4.9 km away
Health insurance premiums 2026 in Grub: the real numbers
The range in Grub is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 412 to 652 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’879 francs a year, without giving anything up. The lowest adult premium there comes with the "alternative model" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 412 – 652 CHF | from 302 CHF |
| Young adults (19–25) | 301 – 499 CHF | from 191 CHF |
| Children (0–18) | 30 – 131 CHF | — |
That is exactly what our comparison does: it ranks the 75 insurers active in Grub from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Grub: choosing insurer, deductible and model
You steer your premium in Grub with three levers. The insurer first — it costs nothing in benefits and brings the most. Then the deductible between 300 and 2’500 CHF: high deductible for healthy people with a financial cushion, low deductible for ongoing treatment or planned procedures. For comparison: with a 2’500 CHF deductible, the adult premium in Grub starts as low as 302 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of Appenzell Ausserrhoden — many households leave this reduction unused.
Checklist for Grub
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of Appenzell Ausserrhoden.
Free premium comparison for Grub →
How we work for Grub
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of Appenzell Ausserrhoden. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Grub this difference is measurable: 412–652 francs a month for adults, i.e. up to 2’879 francs a year across 75 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Grub (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Grub?
In Grub (postal code 9035), the 2026 adult basic-insurance premium ranges from 412 to 652 francs a month depending on the insurer (deductible 300), from 301 francs for young adults and from 30 francs for children. For identical cover, the difference reaches up to 2’879 francs a year (FOPH premium region 0 of the canton of Appenzell Ausserrhoden). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Grub have the same premiums?
Not necessarily. Grub and nearby municipalities such as Heiden (2 km), Rorschacherberg (2 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Grub?
No, it is for orientation in Grub. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Appenzell Ausserrhoden.
Can I compare "Applying for premium subsidies" in Grub with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Grub follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.