Health insurance Grisons 2026
The official premiums for canton Grisons: 24 active insurers, 100 municipalities. Pick your municipality to see your exact prices.
The lowest premium
CHF 404.70 per month
vita surselva — Sparmed
Adult, CHF 300 deductible, accident cover included.
Gap to the most expensive insurer: CHF 3'065 per year.
How the premium has moved
The zone’s lowest premium, year by year since 2015. The same profile every time: adult, CHF 300 deductible, accident included — otherwise the comparison would mean nothing.
That is +77.7 % over 11 years, or CHF 2'123 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 227.80 | — |
| 2016 | CHF 237.30 | +4.2 % |
| 2017 | CHF 274.55 | +15.7 % |
| 2018 | CHF 277.60 | +1.1 % |
| 2019 | CHF 305.20 | +9.9 % |
| 2020 | CHF 315.90 | +3.5 % |
| 2021 | CHF 321.10 | +1.6 % |
| 2022 | CHF 320.50 | −0.2 % |
| 2023 | CHF 322.00 | +0.5 % |
| 2024 | CHF 347.00 | +7.8 % |
| 2025 | CHF 388.00 | +11.8 % |
| 2026 | CHF 404.70 | +4.3 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
Insurers available in GrisonsRegion 1
Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.
| # | Insurer | From |
|---|---|---|
| 1 | SanitasCheapest | CHF 453.60 |
| 2 | KPT | CHF 460.80 |
| 3 | CONCORDIA | CHF 461.70 |
| 4 | ÖKK | CHF 463.50 |
| 5 | CSS | CHF 473.90 |
| 6 | vita surselva | CHF 474.05 |
| 7 | curaulta | CHF 475.10 |
| 8 | Helsana | CHF 479.00 |
| 9 | Mutuel | CHF 479.50 |
| 10 | Sumiswalder | CHF 484.10 |
| 11 | SWICA | CHF 492.50 |
| 12 | sana24 | CHF 501.10 |
| 13 | Vivao Sympany | CHF 506.40 |
| 14 | Aquilana | CHF 507.80 |
| 15 | Avenir | CHF 508.40 |
| 16 | rhenusana | CHF 510.00 |
| 17 | Agrisano | CHF 512.10 |
| 18 | Philos | CHF 512.20 |
| 19 | Visana | CHF 514.60 |
| 20 | Atupri | CHF 517.70 |
| 21 | Assura-Basis | CHF 544.80 |
| 22 | EGK | CHF 548.10 |
| 23 | Galenos | CHF 551.90 |
| 24 | SLKK | CHF 567.70 |
Insurers available in GrisonsRegion 2
Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.
| # | Insurer | From |
|---|---|---|
| 1 | AgrisanoCheapest | CHF 418.00 |
| 2 | ÖKK | CHF 435.60 |
| 3 | vita surselva | CHF 440.80 |
| 4 | curaulta | CHF 442.80 |
| 5 | CONCORDIA | CHF 445.60 |
| 6 | KPT | CHF 447.90 |
| 7 | Sanitas | CHF 448.30 |
| 8 | CSS | CHF 449.70 |
| 9 | SWICA | CHF 450.00 |
| 10 | Sumiswalder | CHF 450.70 |
| 11 | Helsana | CHF 453.00 |
| 12 | Mutuel | CHF 467.60 |
| 13 | Atupri | CHF 469.00 |
| 14 | Vivao Sympany | CHF 469.00 |
| 15 | Aquilana | CHF 471.00 |
| 16 | sana24 | CHF 473.00 |
| 17 | rhenusana | CHF 479.40 |
| 18 | Philos | CHF 481.50 |
| 19 | Visana | CHF 484.30 |
| 20 | Assura-Basis | CHF 484.90 |
| 21 | Avenir | CHF 500.80 |
| 22 | EGK | CHF 514.80 |
| 23 | Galenos | CHF 516.10 |
| 24 | SLKK | CHF 527.90 |
Insurers available in GrisonsRegion 3
Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.
| # | Insurer | From |
|---|---|---|
| 1 | vita surselvaCheapest | CHF 404.70 |
| 2 | Agrisano | CHF 407.10 |
| 3 | curaulta | CHF 407.90 |
| 4 | Sumiswalder | CHF 424.60 |
| 5 | ÖKK | CHF 425.70 |
| 6 | CONCORDIA | CHF 426.20 |
| 7 | CSS | CHF 427.60 |
| 8 | Vivao Sympany | CHF 429.00 |
| 9 | Sanitas | CHF 434.75 |
| 10 | sana24 | CHF 436.20 |
| 11 | Helsana | CHF 441.80 |
| 12 | Visana | CHF 445.90 |
| 13 | SWICA | CHF 450.90 |
| 14 | Assura-Basis | CHF 451.00 |
| 15 | rhenusana | CHF 455.40 |
| 16 | Mutuel | CHF 455.60 |
| 17 | KPT | CHF 460.00 |
| 18 | Philos | CHF 461.00 |
| 19 | Aquilana | CHF 466.20 |
| 20 | EGK | CHF 467.90 |
| 21 | Atupri | CHF 468.00 |
| 22 | Avenir | CHF 483.00 |
| 23 | Galenos | CHF 488.30 |
| 24 | SLKK | CHF 493.90 |
Premium regions
The FOPH splits some cantons into several premium regions. Two neighbouring municipalities can therefore pay different prices — which is why we never show a cantonal average in place of your prices.
Every municipality in Grisons
100 municipalities, each with its official premiums.
- Albula/Alvra
- Andeer
- Arosa
- Avers
- Bergün Filisur
- Bever
- Bonaduz
- Bregaglia
- Breil/Brigels
- Brusio
- Buseno
- Calanca
- Cama
- Castaneda
- Cazis
- Celerina/Schlarigna
- Chur
- Churwalden
- Conters im Prättigau
- Davos
- Disentis/Mustér
- Domat/Ems
- Domleschg
- Falera
- Felsberg
- Ferrera
- Fideris
- Flerden
- Flims
- Fläsch
- Furna
- Fürstenau
- Grono
- Grüsch
- Ilanz/Glion
- Jenaz
- Jenins
- Klosters
- Küblis
- La Punt Chamues-ch
- Laax
- Landquart
- Lantsch/Lenz
- Lostallo
- Lumnezia
- Luzein
- Madulain
- Maienfeld
- Malans
- Masein
- Medel (Lucmagn)
- Mesocco
- Muntogna da Schons
- Obersaxen Mundaun
- Pontresina
- Poschiavo
- Rheinwald
- Rhäzüns
- Rongellen
- Rossa
- Rothenbrunnen
- Roveredo (GR)
- S-chanf
- Safiental
- Sagogn
- Samedan
- Samnaun
- San Vittore
- Santa Maria in Calanca
- Scharans
- Schiers
- Schluein
- Schmitten (GR)
- Scuol
- Seewis im Prättigau
- Sils im Domleschg
- Sils im Engadin/Segl
- Silvaplana
- Soazza
- St. Moritz
- Sufers
- Sumvitg
- Surses
- Tamins
- Thusis
- Trimmis
- Trin
- Trun
- Tschappina
- Tujetsch
- Untervaz
- Urmein
- Val Müstair
- Vals
- Valsot
- Vaz/Obervaz
- Zernez
- Zillis-Reischen
- Zizers
- Zuoz
The other cantons
Why the premium is what it is here
Care reimbursed by basic insurance costs CHF 4'324 per insured person per year in Grisons.
The Swiss average is CHF 4'834.
Grisons is the 16th most expensive canton for healthcare costs out of 26. The premium follows from that: no insurer can durably charge less than it reimburses.
These costs have changed by +33.5 % since 2016 in this canton, against +28.4 % for the Swiss average.
Across the 26 cantons, the cost of care explains 88.5 % of the premium gap. In other words: much of the difference with the neighbouring canton cannot be recovered by switching insurer.
Gross benefits per insured person, twelve-month rolling average. Source: FOPH cost monitoring (MOKKE).
The other years
The archive goes back to 2015, year by year.