2027 · Appenzell I.Rh. · premium region 0

CONCORDIA premiums 2027 in Canton Appenzell I.Rh. – Region 0

Explore the available CONCORDIA basic health insurance tariffs for Canton Appenzell I.Rh. (premium region 0). Compare monthly prices by age group, deductible and accident coverage.

CONCORDIA

CONCORDIA tariffs in Canton Appenzell I.Rh.

The tables below show the available CONCORDIA tariffs in Canton Appenzell I.Rh.. Choose an age group, then expand a deductible to see the insurance models and monthly premiums.

These premiums apply to premium region 0 in Canton Appenzell I.Rh.. Check the list of places to see whether your municipality belongs to this region.

Places in Canton Appenzell I.Rh. – premium region 016 placesShow places
Appenzell Appenzell Eggerstanden Appenzell Enggenhütten Appenzell Meistersrüte Appenzell Schlatt Appenzell Steinegg Brülisau Büriswilen Gonten Gontenbad Haslen AI Jakobsbad Oberegg Schwende Wasserauen Weissbad

Adults (26+)

CHF 2500 Deductiblefrom CHF 255.35View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 260.10
Deduction− CHF 4.75
Monthly premium after deductionCHF 255.35
With accident coverage
Premium before deductionCHF 275.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 270.45
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 266.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 261.95
With accident coverage
Premium before deductionCHF 282.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 277.45
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 268.90
Deduction− CHF 4.75
Monthly premium after deductionCHF 264.15
With accident coverage
Premium before deductionCHF 284.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 279.75
BASEStandard
Without accident coverage
Premium before deductionCHF 319.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 314.85
With accident coverage
Premium before deductionCHF 338.10
Deduction− CHF 4.75
Monthly premium after deductionCHF 333.35
CHF 2000 Deductiblefrom CHF 282.95View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 287.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 282.95
With accident coverage
Premium before deductionCHF 304.40
Deduction− CHF 4.75
Monthly premium after deductionCHF 299.65
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 294.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 289.55
With accident coverage
Premium before deductionCHF 311.40
Deduction− CHF 4.75
Monthly premium after deductionCHF 306.65
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 296.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 291.75
With accident coverage
Premium before deductionCHF 313.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 308.95
BASEStandard
Without accident coverage
Premium before deductionCHF 347.10
Deduction− CHF 4.75
Monthly premium after deductionCHF 342.35
With accident coverage
Premium before deductionCHF 367.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 362.55
CHF 1500 Deductiblefrom CHF 310.45View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 315.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 310.45
With accident coverage
Premium before deductionCHF 333.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 328.75
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 321.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 317.05
With accident coverage
Premium before deductionCHF 340.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 335.75
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 324.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 319.25
With accident coverage
Premium before deductionCHF 342.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 338.05
BASEStandard
Without accident coverage
Premium before deductionCHF 374.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 369.85
With accident coverage
Premium before deductionCHF 396.40
Deduction− CHF 4.75
Monthly premium after deductionCHF 391.65
CHF 1000 Deductiblefrom CHF 338.05View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 342.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 338.05
With accident coverage
Premium before deductionCHF 362.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 357.95
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 349.40
Deduction− CHF 4.75
Monthly premium after deductionCHF 344.65
With accident coverage
Premium before deductionCHF 369.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 364.95
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 351.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 346.85
With accident coverage
Premium before deductionCHF 372.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 367.25
BASEStandard
Without accident coverage
Premium before deductionCHF 402.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 397.45
With accident coverage
Premium before deductionCHF 425.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 420.85
CHF 500 Deductiblefrom CHF 365.65View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 370.40
Deduction− CHF 4.75
Monthly premium after deductionCHF 365.65
With accident coverage
Premium before deductionCHF 391.90
Deduction− CHF 4.75
Monthly premium after deductionCHF 387.15
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 377.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 372.25
With accident coverage
Premium before deductionCHF 398.90
Deduction− CHF 4.75
Monthly premium after deductionCHF 394.15
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 379.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 374.45
With accident coverage
Premium before deductionCHF 401.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 396.45
BASEStandard
Without accident coverage
Premium before deductionCHF 429.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 425.05
With accident coverage
Premium before deductionCHF 454.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 450.05
CHF 300 Deductiblefrom CHF 376.65View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 381.40
Deduction− CHF 4.75
Monthly premium after deductionCHF 376.65
With accident coverage
Premium before deductionCHF 403.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 398.75
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 388.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 383.25
With accident coverage
Premium before deductionCHF 410.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 405.75
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 390.10
Deduction− CHF 4.75
Monthly premium after deductionCHF 385.35
With accident coverage
Premium before deductionCHF 412.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 408.05
BASEStandard
Without accident coverage
Premium before deductionCHF 440.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 436.05
With accident coverage
Premium before deductionCHF 466.40
Deduction− CHF 4.75
Monthly premium after deductionCHF 461.65

Young adults (19–25)

CHF 2500 Deductiblefrom CHF 167.95View tariffs
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 172.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 167.95
With accident coverage
Premium before deductionCHF 182.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 177.95
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 172.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 167.95
With accident coverage
Premium before deductionCHF 182.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 177.95
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 172.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 167.95
With accident coverage
Premium before deductionCHF 182.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 177.95
BASEStandard
Without accident coverage
Premium before deductionCHF 205.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 200.25
With accident coverage
Premium before deductionCHF 216.90
Deduction− CHF 4.75
Monthly premium after deductionCHF 212.15
CHF 2000 Deductiblefrom CHF 183.85View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 188.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 183.85
With accident coverage
Premium before deductionCHF 199.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 194.75
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 193.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 188.75
With accident coverage
Premium before deductionCHF 204.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 199.95
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 195.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 190.45
With accident coverage
Premium before deductionCHF 206.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 201.75
BASEStandard
Without accident coverage
Premium before deductionCHF 232.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 227.85
With accident coverage
Premium before deductionCHF 246.10
Deduction− CHF 4.75
Monthly premium after deductionCHF 241.35
CHF 1500 Deductiblefrom CHF 211.35View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 216.10
Deduction− CHF 4.75
Monthly premium after deductionCHF 211.35
With accident coverage
Premium before deductionCHF 228.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 223.85
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 221.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 216.25
With accident coverage
Premium before deductionCHF 233.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 229.05
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 222.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 217.95
With accident coverage
Premium before deductionCHF 235.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 230.85
BASEStandard
Without accident coverage
Premium before deductionCHF 260.10
Deduction− CHF 4.75
Monthly premium after deductionCHF 255.35
With accident coverage
Premium before deductionCHF 275.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 270.45
CHF 1000 Deductiblefrom CHF 238.95View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 243.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 238.95
With accident coverage
Premium before deductionCHF 257.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 253.05
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 248.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 243.85
With accident coverage
Premium before deductionCHF 263.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 258.25
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 250.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 245.55
With accident coverage
Premium before deductionCHF 264.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 260.05
BASEStandard
Without accident coverage
Premium before deductionCHF 287.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 282.95
With accident coverage
Premium before deductionCHF 304.40
Deduction− CHF 4.75
Monthly premium after deductionCHF 299.65
CHF 500 Deductiblefrom CHF 266.55View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 271.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 266.55
With accident coverage
Premium before deductionCHF 287.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 282.25
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 276.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 271.45
With accident coverage
Premium before deductionCHF 292.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 287.45
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 277.90
Deduction− CHF 4.75
Monthly premium after deductionCHF 273.15
With accident coverage
Premium before deductionCHF 294.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 289.25
BASEStandard
Without accident coverage
Premium before deductionCHF 315.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 310.55
With accident coverage
Premium before deductionCHF 333.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 328.85
CHF 300 Deductiblefrom CHF 277.45View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 282.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 277.45
With accident coverage
Premium before deductionCHF 298.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 293.85
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 287.10
Deduction− CHF 4.75
Monthly premium after deductionCHF 282.35
With accident coverage
Premium before deductionCHF 303.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 299.05
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 288.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 284.05
With accident coverage
Premium before deductionCHF 305.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 300.85
BASEStandard
Without accident coverage
Premium before deductionCHF 326.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 321.55
With accident coverage
Premium before deductionCHF 345.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 340.45

Children (0–18)

CHF 600 Deductiblefrom CHF 56.75View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 61.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 56.75
With accident coverage
Premium before deductionCHF 65.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 60.25
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 63.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 58.45
With accident coverage
Premium before deductionCHF 66.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 62.05
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 63.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 58.95
With accident coverage
Premium before deductionCHF 67.40
Deduction− CHF 4.75
Monthly premium after deductionCHF 62.65
BASEStandard
Without accident coverage
Premium before deductionCHF 76.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 71.45
With accident coverage
Premium before deductionCHF 80.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 75.85
CHF 500 Deductiblefrom CHF 62.35View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 67.10
Deduction− CHF 4.75
Monthly premium after deductionCHF 62.35
With accident coverage
Premium before deductionCHF 70.90
Deduction− CHF 4.75
Monthly premium after deductionCHF 66.15
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 68.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 64.05
With accident coverage
Premium before deductionCHF 72.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 67.95
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 69.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 64.55
With accident coverage
Premium before deductionCHF 73.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 68.55
BASEStandard
Without accident coverage
Premium before deductionCHF 81.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 77.05
With accident coverage
Premium before deductionCHF 86.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 81.75
CHF 300 Deductiblefrom CHF 67.75View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 72.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 67.75
With accident coverage
Premium before deductionCHF 76.70
Deduction− CHF 4.75
Monthly premium after deductionCHF 71.95
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 74.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 69.45
With accident coverage
Premium before deductionCHF 78.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 73.75
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 74.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 70.05
With accident coverage
Premium before deductionCHF 79.10
Deduction− CHF 4.75
Monthly premium after deductionCHF 74.35
BASEStandard
Without accident coverage
Premium before deductionCHF 87.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 82.55
With accident coverage
Premium before deductionCHF 92.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 87.55
CHF 200 Deductiblefrom CHF 78.85View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 83.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 78.85
With accident coverage
Premium before deductionCHF 88.40
Deduction− CHF 4.75
Monthly premium after deductionCHF 83.65
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 85.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 80.55
With accident coverage
Premium before deductionCHF 90.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 85.45
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 85.90
Deduction− CHF 4.75
Monthly premium after deductionCHF 81.15
With accident coverage
Premium before deductionCHF 90.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 86.05
BASEStandard
Without accident coverage
Premium before deductionCHF 98.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 93.55
With accident coverage
Premium before deductionCHF 104.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 99.25
CHF 100 Deductiblefrom CHF 84.35View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 89.10
Deduction− CHF 4.75
Monthly premium after deductionCHF 84.35
With accident coverage
Premium before deductionCHF 94.20
Deduction− CHF 4.75
Monthly premium after deductionCHF 89.45
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 90.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 86.05
With accident coverage
Premium before deductionCHF 96.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 91.25
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 91.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 86.55
With accident coverage
Premium before deductionCHF 96.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 91.85
BASEStandard
Without accident coverage
Premium before deductionCHF 103.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 99.05
With accident coverage
Premium before deductionCHF 109.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 105.05
CHF 0 Deductiblefrom CHF 89.75View tariffs
HMOFamily Doctor
Without accident coverage
Premium before deductionCHF 94.50
Deduction− CHF 4.75
Monthly premium after deductionCHF 89.75
With accident coverage
Premium before deductionCHF 100.00
Deduction− CHF 4.75
Monthly premium after deductionCHF 95.25
smartDocTelemedicine / Digital
Without accident coverage
Premium before deductionCHF 96.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 91.55
With accident coverage
Premium before deductionCHF 101.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 97.05
MyDocFamily Doctor
Without accident coverage
Premium before deductionCHF 96.80
Deduction− CHF 4.75
Monthly premium after deductionCHF 92.05
With accident coverage
Premium before deductionCHF 102.40
Deduction− CHF 4.75
Monthly premium after deductionCHF 97.65
BASEStandard
Without accident coverage
Premium before deductionCHF 109.30
Deduction− CHF 4.75
Monthly premium after deductionCHF 104.55
With accident coverage
Premium before deductionCHF 115.60
Deduction− CHF 4.75
Monthly premium after deductionCHF 110.85

The displayed premiums reflect the existing CHF 4.75 deduction used by the shared calculation system. Please verify the applicable deduction for 2027.

What affects CONCORDIA premiums in Canton Appenzell I.Rh.?

01

Premium region in Appenzell I.Rh.

The premiums are shown for premium region 0. Insurers may apply different premiums across the premium regions of Canton Appenzell I.Rh..

02

Age and deductible for CONCORDIA in Canton Appenzell I.Rh.

The CONCORDIA premium in Appenzell I.Rh. depends on the age category and deductible selected. A higher deductible may reduce the monthly premium but increases your potential out-of-pocket costs.

03

CONCORDIA insurance models in Canton Appenzell I.Rh.

The tariff data for CONCORDIA in Canton Appenzell I.Rh. includes these model categories: Family Doctor, Telemedicine / Digital, Standard. Availability may differ by age group and deductible.

Compare all insurers in Canton Appenzell I.Rh.

The tables below show the available CONCORDIA tariffs in Canton Appenzell I.Rh.. Choose an age group, then expand a deductible to see the insurance models and monthly premiums.

Compare all insurers in Canton Appenzell I.Rh. Request a non-binding quote

Frequently asked questions about CONCORDIA in Canton Appenzell I.Rh.

The lowest displayed adult monthly premium without accident cover for CONCORDIA in Canton Appenzell I.Rh. is CHF 255.35. The amount depends on the deductible and insurance model.

The available tariff data for CONCORDIA in Canton Appenzell I.Rh. lists: Family Doctor, Telemedicine / Digital, Standard. Check the tariff tables for specific deductible and age-group availability.

The selected tariffs cover premium region 0 in Canton Appenzell I.Rh.. The premium region is used to determine the applicable local tariffs.

If you work at least eight hours a week for the same employer and are covered for non-occupational accidents through that employer, you can generally remove accident cover from basic health insurance, including CONCORDIA.

No. The figures are a tariff overview for Canton Appenzell I.Rh.. Your applicable premium must be checked against your personal details and the insurer's current tariff conditions.