CHF 2'000 deductible in Region 3 of canton Grisons
At a CHF 2'000 deductible, 23 insurers offer a premium in Region 3 of canton Grisons. The lowest is CHF 307.55 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 2'000 deductible saves CHF 1'165.80 a year on the premium.
What it risks
In exchange you must cover CHF 1'700 more yourself before the insurance steps in. The tipping point is CHF 1'465.80 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
23 insurers at a CHF 2'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | vita surselva | CHF 307.55 | View |
| 2 | curaulta | CHF 319.40 | View |
| 3 | Agrisano | CHF 321.80 | View |
| 4 | ÖKK | CHF 326.60 | View |
| 5 | CONCORDIA | CHF 327.10 | View |
| 6 | CSS | CHF 328.50 | View |
| 7 | Vivao Sympany | CHF 329.80 | View |
| 8 | Sumiswalder | CHF 333.40 | View |
| 9 | Sanitas | CHF 335.65 | View |
| 10 | sana24 | CHF 337.00 | View |
| 11 | Helsana | CHF 342.70 | View |
| 12 | Visana | CHF 346.70 | View |
| 13 | SWICA | CHF 351.70 | View |
| 14 | Assura-Basis | CHF 351.90 | View |
| 15 | Mutuel | CHF 356.60 | View |
| 16 | Philos | CHF 362.00 | View |
| 17 | rhenusana | CHF 364.40 | View |
| 18 | EGK | CHF 368.80 | View |
| 19 | Atupri | CHF 368.90 | View |
| 20 | Aquilana | CHF 377.80 | View |
| 21 | Avenir | CHF 384.00 | View |
| 22 | Galenos | CHF 389.20 | View |
| 23 | SLKK | CHF 408.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.