CHF 1'500 deductible in Region 3 of canton Grisons
At a CHF 1'500 deductible, 24 insurers offer a premium in Region 3 of canton Grisons. The lowest is CHF 335.90 a month for an adult, accident cover included.
What this deductible earns
Against the minimum 300-franc deductible, whose lowest premium is CHF 404.70, the CHF 1'500 deductible saves CHF 825.60 a year on the premium.
What it risks
In exchange you must cover CHF 1'200 more yourself before the insurance steps in. The tipping point is CHF 1'125.60 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 1'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | vita surselva | CHF 335.90 | View |
| 2 | curaulta | CHF 343.90 | View |
| 3 | Agrisano | CHF 346.90 | View |
| 4 | ÖKK | CHF 355.70 | View |
| 5 | CONCORDIA | CHF 356.20 | View |
| 6 | CSS | CHF 357.60 | View |
| 7 | Vivao Sympany | CHF 359.00 | View |
| 8 | Sumiswalder | CHF 360.20 | View |
| 9 | Sanitas | CHF 364.75 | View |
| 10 | sana24 | CHF 366.20 | View |
| 11 | Helsana | CHF 371.80 | View |
| 12 | Visana | CHF 375.90 | View |
| 13 | Assura-Basis | CHF 381.00 | View |
| 14 | Mutuel | CHF 385.60 | View |
| 15 | SWICA | CHF 386.00 | View |
| 16 | KPT | CHF 390.00 | View |
| 17 | Philos | CHF 391.00 | View |
| 18 | rhenusana | CHF 391.50 | View |
| 19 | EGK | CHF 397.90 | View |
| 20 | Atupri | CHF 398.00 | View |
| 21 | Aquilana | CHF 405.40 | View |
| 22 | Avenir | CHF 413.00 | View |
| 23 | Galenos | CHF 418.30 | View |
| 24 | SLKK | CHF 433.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.