Family doctor with a CHF 300 deductible in Region 1 of canton Grisons

23 insurers offer a Family doctor with a CHF 300 deductible in Region 1. The lowest premium is CHF 463.50 a month for an adult, accident cover included.

What this combination earns

Against free choice of doctor at the minimum deductible, whose lowest premium is CHF 499.00, this combination saves CHF 426.00 a year.

Where the saving comes from

The model contributes about CHF 426.00 a year — the part paid for in freedom to choose your doctor, at the same CHF 300 deductible.

The two parts do not add up exactly: insurers do not price the two choices independently. The total above is the real figure; the breakdown gives the order of magnitude of each lever.

What the deductible risks

This is the minimum deductible: no extra risk compared with the reference.

The insurers, cheapest to dearest

23 insurers offer this combination in this region, with the trade name of their plan.

Rank	Insurer	Plan name	Premium
1	ÖKK	Hausarzt	CHF 463.50	View
2	Sanitas	Hausarztmodell 1	CHF 469.70	View
3	CSS	Hausarztversicherung Profit	CHF 473.90	View
4	vita surselva	Sparmed	CHF 474.05	View
5	curaulta	casamed	CHF 475.10	View
6	CONCORDIA	MyDoc	CHF 477.90	View
7	Helsana	BeneFit PLUS Hausarzt R1	CHF 479.00	View
8	KPT	KPTwin.doc	CHF 481.60	View
9	Sumiswalder	Hausarzt	CHF 484.10	View
10	SWICA	FAVORIT MULTICHOICE	CHF 492.50	View
11	Mutuel	PrimaCare	CHF 498.70	View
12	Vivao Sympany	callmed 24	CHF 512.20	View
13	Visana	Med Direct	CHF 514.60	View
14	Atupri	CareMed	CHF 517.70	View
15	Aquilana	CASAMED	CHF 519.50	View
16	Avenir	PrimaCare	CHF 520.00	View
17	rhenusana	Hausarzt-Modell	CHF 534.90	View
18	Philos	PrimaCare	CHF 536.20	View
19	Assura-Basis	Qualimed	CHF 544.80	View
20	sana24	Med Direct	CHF 565.10	View
21	Galenos	Med Direct	CHF 567.50	View
22	SLKK	SLKK-HomeCare	CHF 594.10	View
23	EGK	EGK-Care	CHF 603.60	View

Source: Federal Office of Public Health (FOPH), official premiums. 2026.