CHF 2'500 deductible in Region 3 of canton Grisons
At a CHF 2'500 deductible, 24 insurers offer a premium in Region 3 of canton Grisons. The lowest is CHF 279.85 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 2'500 deductible saves CHF 1'498.20 a year on the premium.
What it risks
In exchange you must cover CHF 2'200 more yourself before the insurance steps in. The tipping point is CHF 1'798.20 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 2'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | vita surselva | CHF 279.85 | View |
| 2 | curaulta | CHF 295.90 | View |
| 3 | Agrisano | CHF 296.80 | View |
| 4 | ÖKK | CHF 297.40 | View |
| 5 | CONCORDIA | CHF 297.90 | View |
| 6 | CSS | CHF 299.30 | View |
| 7 | Vivao Sympany | CHF 300.60 | View |
| 8 | Sanitas | CHF 306.45 | View |
| 9 | Sumiswalder | CHF 306.60 | View |
| 10 | sana24 | CHF 307.80 | View |
| 11 | Helsana | CHF 313.50 | View |
| 12 | Visana | CHF 317.50 | View |
| 13 | SWICA | CHF 322.50 | View |
| 14 | Assura-Basis | CHF 322.70 | View |
| 15 | Mutuel | CHF 327.60 | View |
| 16 | KPT | CHF 331.70 | View |
| 17 | Philos | CHF 333.00 | View |
| 18 | rhenusana | CHF 337.40 | View |
| 19 | EGK | CHF 339.60 | View |
| 20 | Atupri | CHF 339.70 | View |
| 21 | Aquilana | CHF 346.40 | View |
| 22 | Avenir | CHF 355.00 | View |
| 23 | Galenos | CHF 360.00 | View |
| 24 | SLKK | CHF 383.50 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.