Health insurance when arriving in Switzerland — Region 1 of canton Grisons
For this household of 1 in Region 1 of canton Grisons, the lowest bill is CHF 453.60 a month. Here is the breakdown.
The household total
CHF 453.60 a month, or CHF 5'443.20 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 525.32 a month. The gap is CHF 860.64 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 453.60 a month.
The breakdown, person by person
One adult, CHF 300 deductible, accident cover included.
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| Adult | CHF 300 | CHF 453.60 | Sanitas |
Three things to check
Enrolment is compulsory within three months of taking up residence, retroactive to the first day: choosing late saves nothing, it delivers several premiums at once. No insurer may refuse basic cover or ask health questions. Past the deadline, the canton assigns you automatically, often to an expensive insurer — and catching up costs.
- Count three months from taking up residence, not from signing the lease or from physically arriving.
- A CHF 300 deductible is the prudent choice in year one: you do not yet know your costs in a system you are discovering.
- Travel insurance or cover from your home country does not exempt you from enrolment, unless an exemption is formally granted.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.