Health insurance as a cross-border worker — Region 1 of canton Grisons
For this household of 1 in Region 1 of canton Grisons, the lowest bill is CHF 422.40 a month. Here is the breakdown.
The household total
CHF 422.40 a month, or CHF 5'068.80 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 491.08 a month. The gap is CHF 824.16 a year — that is what comparing is worth.
With a single insurer
Nothing requires a household to pick the same insurer for everyone, but many prefer it. The cheapest that covers every member is Sanitas, at CHF 422.40 a month.
The breakdown, person by person
One person living alone, CHF 300 deductible, accident cover suspended — the employer covers accidents.
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| Adult — without accident cover | CHF 300 | CHF 422.40 | Sanitas |
Three things to check
A cross-border worker employed in Switzerland is in principle subject to LAMal. Agreements with the European Union nevertheless open a right of option: they can apply for exemption and stay insured in their country of residence. Three things matter. The deadline first: the application must be made within three months of starting work. Then its finality: in most situations the choice cannot be revisited — which is why it deserves a conversation with someone who knows both systems. Finally, if you stay with LAMal, your premium is that of the canton where you work, not where you live: that is what the table below shows. Rules vary with the country of residence and your family situation; check with the Common Institution under the LAMal before deciding.
- The deadline is three months from starting work, and it runs fast.
- The choice is generally final: do not make it at random.
- If you stay with LAMal, the canton where you work sets your premium.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.