Family doctor with a CHF 300 deductible in Region 3 of canton Grisons

23 insurers offer a Family doctor with a CHF 300 deductible in Region 3. The lowest premium is CHF 404.70 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 426.00, this combination saves CHF 255.60 a year.

Where the saving comes from

The model contributes about CHF 255.60 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	vita surselva	Sparmed	CHF 404.70	View
2	curaulta	casamed	CHF 407.90	View
3	Sumiswalder	Hausarzt	CHF 424.60	View
4	ÖKK	Hausarzt	CHF 425.70	View
5	CSS	Gesundheitspraxisversicherung	CHF 427.60	View
6	Vivao Sympany	callmed 24	CHF 433.90	View
7	Sanitas	Hausarztmodell 1	CHF 434.75	View
8	CONCORDIA	MyDoc	CHF 441.10	View
9	Visana	Med Direct	CHF 445.90	View
10	Helsana	BeneFit PLUS Hausarzt R1	CHF 447.10	View
11	SWICA	FAVORIT MULTICHOICE	CHF 450.90	View
12	Assura-Basis	Qualimed	CHF 451.00	View
13	KPT	KPTwin.doc	CHF 460.00	View
14	Atupri	CareMed	CHF 468.00	View
15	EGK	EGK-Care	CHF 470.60	View
16	Mutuel	PrimaCare	CHF 473.80	View
17	Aquilana	CASAMED	CHF 476.90	View
18	rhenusana	Hausarzt-Modell	CHF 477.60	View
19	Philos	PrimaCare	CHF 482.50	View
20	sana24	Med Direct	CHF 491.90	View
21	Avenir	PrimaCare	CHF 494.00	View
22	Galenos	Med Direct	CHF 501.50	View
23	SLKK	SLKK-HomeCare	CHF 516.80	View

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