Health insurance when you are out of work — Region 3 of canton Grisons
For this household of 1 in Region 3 of canton Grisons, the lowest bill is CHF 276.60 a month. Here is the breakdown.
The household total
CHF 276.60 a month, or CHF 3'319.20 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 321.97 a month. The gap is CHF 544.44 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 ÖKK, at CHF 276.60 a month.
The breakdown, person by person
One person living alone, CHF 2,500 deductible, accident cover suspended.
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| Adult — without accident cover | CHF 2'500 | CHF 276.60 | ÖKK |
Three things to check
Basic cover remains compulsory, with no exception and no deferral. However, as soon as you draw unemployment benefits you are covered against accidents by unemployment insurance: accident cover can be suspended with your health insurer, which lowers the premium. The second point matters more still: premium reductions are based on income, and an income that has fallen often opens an entitlement that did not exist before. Many cantons accept a claim mid-year based on your current situation, without waiting for a tax assessment. Do not settle for last year’s refusal.
- Suspend accident cover from the first benefit payment.
- Reapply for the premium reduction on your current situation: entitlement often opens mid-year.
- Never cancel without being enrolled elsewhere: a gap leaves you liable for everything.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.