Free choice of doctor with a CHF 300 deductible in Region 3 of canton Grisons
24 insurers offer a Free choice of doctor with a CHF 300 deductible in Region 3. The lowest premium is CHF 426.00 a month for an adult, accident cover included.
Where the saving comes from
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
24 insurers offer this combination in this region, with the trade name of their plan.
| Rank | Insurer | Plan name | Premium | |
|---|---|---|---|---|
| 1 | vita surselva | Grundversicherung | CHF 426.00 | View |
| 2 | curaulta | Grundversicherung | CHF 429.30 | View |
| 3 | Sumiswalder | Grundversicherung | CHF 461.50 | View |
| 4 | ÖKK | Grundversicherung | CHF 473.00 | View |
| 5 | Agrisano | Grundversicherung | CHF 473.40 | View |
| 6 | Vivao Sympany | Grundversicherung | CHF 493.00 | View |
| 7 | rhenusana | Grundversicherung | CHF 494.90 | View |
| 8 | Assura-Basis | Grundversicherung | CHF 495.60 | View |
| 9 | CONCORDIA | Grundversicherung | CHF 498.40 | View |
| 10 | Sanitas | Grundversicherung | CHF 499.70 | View |
| 11 | CSS | Grundversicherung | CHF 503.00 | View |
| 12 | sana24 | Grundversicherung | CHF 507.10 | View |
| 13 | SWICA | Grundversicherung | CHF 512.30 | View |
| 14 | Mutuel | Grundversicherung | CHF 520.60 | View |
| 15 | Helsana | Grundversicherung | CHF 526.00 | View |
| 16 | Visana | Grundversicherung | CHF 530.70 | View |
| 17 | Aquilana | Grundversicherung | CHF 535.80 | View |
| 18 | Atupri | Grundversicherung | CHF 537.90 | View |
| 19 | Philos | Grundversicherung | CHF 539.10 | View |
| 20 | KPT | Grundversicherung | CHF 542.90 | View |
| 21 | EGK | Grundversicherung | CHF 544.00 | View |
| 22 | Avenir | Grundversicherung | CHF 552.00 | View |
| 23 | Galenos | Grundversicherung | CHF 573.10 | View |
| 24 | SLKK | Grundversicherung | CHF 574.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.