Region 3 of canton Grisons — 2026 premiums

Region 3 of canton Grisons groups 40 municipalities that all pay the same rate. 24 insurers offer premiums here, from CHF 404.70 a month for an adult, 300-franc deductible, accident cover included.

The gap, in francs

Between the cheapest (CHF 404.70) and the dearest (CHF 493.90) in this region there is CHF 1'070.40 a year — for exactly the same cover, defined by law.

The insurers in Region 3, cheapest to dearest

24 active insurers. Each one’s lowest adult premium, 300-franc deductible, accident cover included.

Rank	Insurer	From
1	vita surselva	CHF 404.70	View
2	Agrisano	CHF 407.10	View
3	curaulta	CHF 407.90	View
4	Sumiswalder	CHF 424.60	View
5	ÖKK	CHF 425.70	View
6	CONCORDIA	CHF 426.20	View
7	CSS	CHF 427.60	View
8	Vivao Sympany	CHF 429.00	View
9	Sanitas	CHF 434.75	View
10	sana24	CHF 436.20	View
11	Helsana	CHF 441.80	View
12	Visana	CHF 445.90	View
13	SWICA	CHF 450.90	View
14	Assura-Basis	CHF 451.00	View
15	rhenusana	CHF 455.40	View
16	Mutuel	CHF 455.60	View
17	KPT	CHF 460.00	View
18	Philos	CHF 461.00	View
19	Aquilana	CHF 466.20	View
20	EGK	CHF 467.90	View
21	Atupri	CHF 468.00	View
22	Avenir	CHF 483.00	View
23	Galenos	CHF 488.30	View
24	SLKK	CHF 493.90	View

The lowest price at each deductible

The deductible changes no benefits, only how the risk is shared. Here is what the region’s cheapest insurer charges at each level.

Deductible	From	Insurer
300	CHF 404.70	vita surselva
500	CHF 395.00	vita surselva
1'000	CHF 364.25	vita surselva
1'500	CHF 335.90	vita surselva
2'000	CHF 307.55	vita surselva
2'500	CHF 279.85	vita surselva

The lowest price for each model

The model limits who you see first, not the treatment. At a 300-franc deductible, here is the region’s lowest rate for each.

Model	From	Insurer
Family doctor	CHF 404.70	vita surselva
Other model	CHF 407.10	Agrisano
HMO practice	CHF 425.70	ÖKK
Free choice of doctor	CHF 426.00	vita surselva

Where this region sits in canton Grisons

It is the cheapest region in canton Grisons, out of 3.

Region	Municipalities	From
Region 3	40	CHF 404.70
Region 2	45	CHF 418.00
Region 1	15	CHF 453.60

Compared with last year

The region’s lowest premium goes from CHF 388.00 in 2025 to CHF 404.70 — a rise of 4.3 %.

What it costs, for someone like you

«What does health insurance cost» has no answer. «What does it cost a student in Fribourg» does. Here are 12 situations, priced on official premiums.

Health insurance as a student Health insurance in your first job Health insurance for a family of four Health insurance when self-employed Health insurance in retirement Health insurance when arriving in Switzerland Health insurance for a child Health insurance during an apprenticeship Health insurance when you are out of work Health insurance for two Health insurance as a cross-border worker Health insurance after retirement

The 40 municipalities in this region

They all pay exactly the same rate: under basic insurance the premium belongs to the region, not the municipality. Moving within this region of canton Grisons changes nothing about your premium.

Albula/Alvra · Andeer · Avers · Bergün Filisur · Breil/Brigels · Cazis · Disentis/Mustér · Domleschg · Falera · Ferrera · Flerden · Fürstenau · Ilanz/Glion · Laax · Lantsch/Lenz · Lumnezia · Masein · Medel (Lucmagn) · Muntogna da Schons · Obersaxen Mundaun · Rheinwald · Rongellen · Rothenbrunnen · Safiental · Sagogn · Scharans · Schluein · Schmitten (GR) · Sils im Domleschg · Sufers · Sumvitg · Surses · Thusis · Trun · Tschappina · Tujetsch · Urmein · Vals · Vaz/Obervaz · Zillis-Reischen

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