CHF 1'000 deductible in Region 1 of canton Grisons
At a CHF 1'000 deductible, 24 insurers offer a premium in Region 1 of canton Grisons. The lowest is CHF 412.80 a month for an adult, accident cover included.
What this deductible earns
Against the minimum 300-franc deductible, whose lowest premium is CHF 453.60, the CHF 1'000 deductible saves CHF 489.60 a year on the premium.
What it risks
In exchange you must cover CHF 700 more yourself before the insurance steps in. The tipping point is CHF 789.60 of medical costs in the year: below that this deductible wins, above it costs more than the minimum.
The calculation excludes the 10 % co-payment, capped at 700 francs a year, which applies in both cases.
The ranking, cheapest to dearest
24 insurers at a CHF 1'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Sanitas | CHF 412.80 | View |
| 2 | KPT | CHF 420.00 | View |
| 3 | CONCORDIA | CHF 420.90 | View |
| 4 | ÖKK | CHF 422.70 | View |
| 5 | CSS | CHF 433.10 | View |
| 6 | curaulta | CHF 435.90 | View |
| 7 | vita surselva | CHF 436.15 | View |
| 8 | Helsana | CHF 438.20 | View |
| 9 | Mutuel | CHF 439.00 | View |
| 10 | Sumiswalder | CHF 446.50 | View |
| 11 | SWICA | CHF 457.60 | View |
| 12 | sana24 | CHF 460.30 | View |
| 13 | Vivao Sympany | CHF 465.60 | View |
| 14 | Avenir | CHF 467.90 | View |
| 15 | Philos | CHF 471.70 | View |
| 16 | Aquilana | CHF 472.40 | View |
| 17 | rhenusana | CHF 472.50 | View |
| 18 | Visana | CHF 473.80 | View |
| 19 | Agrisano | CHF 475.20 | View |
| 20 | Atupri | CHF 476.90 | View |
| 21 | Assura-Basis | CHF 504.00 | View |
| 22 | EGK | CHF 507.30 | View |
| 23 | Galenos | CHF 511.10 | View |
| 24 | SLKK | CHF 532.60 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.