CHF 500 deductible in Region 3 of canton Grisons
At a CHF 500 deductible, 24 insurers offer a premium in Region 3 of canton Grisons. The lowest is CHF 395.00 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 500 deductible saves CHF 116.40 a year on the premium.
What it risks
In exchange you must cover CHF 200 more yourself before the insurance steps in. The tipping point is CHF 416.40 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 500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | vita surselva | CHF 395.00 | View |
| 2 | Agrisano | CHF 397.10 | View |
| 3 | curaulta | CHF 397.70 | View |
| 4 | Sumiswalder | CHF 413.80 | View |
| 5 | ÖKK | CHF 414.10 | View |
| 6 | CONCORDIA | CHF 414.60 | View |
| 7 | CSS | CHF 416.00 | View |
| 8 | Vivao Sympany | CHF 417.30 | View |
| 9 | Sanitas | CHF 423.15 | View |
| 10 | sana24 | CHF 424.50 | View |
| 11 | Helsana | CHF 430.20 | View |
| 12 | SWICA | CHF 439.20 | View |
| 13 | Visana | CHF 439.20 | View |
| 14 | Assura-Basis | CHF 439.40 | View |
| 15 | Mutuel | CHF 444.10 | View |
| 16 | rhenusana | CHF 444.90 | View |
| 17 | KPT | CHF 448.40 | View |
| 18 | Philos | CHF 449.50 | View |
| 19 | Aquilana | CHF 456.10 | View |
| 20 | EGK | CHF 456.30 | View |
| 21 | Atupri | CHF 456.40 | View |
| 22 | Avenir | CHF 471.50 | View |
| 23 | Galenos | CHF 476.70 | View |
| 24 | SLKK | CHF 483.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.