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Health insurance in Scharans 2026

24 insurers offer basic cover in Scharans (Grisons). The benefits are identical everywhere — only the price differs.

The lowest premium

CHF 404.70 per month

vita surselva — Sparmed

Adult, CHF 300 deductible, accident cover included.

Gap to the most expensive insurer: CHF 2'035 per year.

24

active insurers

Region 3

Compare my exact premiums

Insurers available in Scharans

Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.

#InsurerFrom
1vita surselvaCheapestCHF 404.70
2AgrisanoCHF 407.10
3curaultaCHF 407.90
4SumiswalderCHF 424.60
5ÖKKCHF 425.70
6CONCORDIACHF 426.20
7CSSCHF 427.60
8Vivao SympanyCHF 429.00
9SanitasCHF 434.75
10sana24CHF 436.20
11HelsanaCHF 441.80
12VisanaCHF 445.90
13SWICACHF 450.90
14Assura-BasisCHF 451.00
15rhenusanaCHF 455.40
16MutuelCHF 455.60
17KPTCHF 460.00
18PhilosCHF 461.00
19AquilanaCHF 466.20
20EGKCHF 467.90
21AtupriCHF 468.00
22AvenirCHF 483.00
23GalenosCHF 488.30
24SLKKCHF 493.90

Where the municipality sits

Scharans sits in the cheapest of Grisons’s 3 premium regions. Few municipalities in the canton pay less.

These amounts apply to all 40 municipalities in the same premium region: a premium is set per zone, never per municipality.

The postcodes of Scharans

A postcode can straddle two municipalities in different regions. The municipality determines the premium, not the postcode — hence the list below.

  • 7412 Scharans

How the premium has moved

The zone’s lowest premium, year by year since 2015. The same profile every time: adult, CHF 300 deductible, accident included — otherwise the comparison would mean nothing.

That is +77.7 % over 11 years, or CHF 2'123 more per year.

YearLowest premiumChange
2015CHF 227.80—
2016CHF 237.30+4.2 %
2017CHF 274.55+15.7 %
2018CHF 277.60+1.1 %
2019CHF 305.20+9.9 %
2020CHF 315.90+3.5 %
2021CHF 321.10+1.6 %
2022CHF 320.50−0.2 %
2023CHF 322.00+0.5 %
2024CHF 347.00+7.8 %
2025CHF 388.00+11.8 %
2026CHF 404.70+4.3 %

Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.

The postcode of this municipality

One postcode can cover several municipalities, and sometimes several premium regions. Each page says so.

7412 Scharans

Elsewhere in Grisons

At strictly identical cover, changing premium region changes the price. Here is what the lowest premium costs in the canton’s other regions.

RegionLowest premiumGap over the yearFor example
Region 3 (here)CHF 404.70—Scharans
Region 2CHF 418.00CHF 160 moreBever, Bonaduz, Bregaglia
Region 1CHF 453.60CHF 587 moreArosa, Buseno, Calanca

This table is not moving advice: it only says what geography costs, at benefits the law makes identical.

The municipalities of the Viamala district

They do not necessarily belong to the same premium region — check yours.

MunicipalityRegionLowest premiumGap versus here
Scharans (here)Region 3CHF 404.70—
AndeerRegion 3CHF 404.70same zone
AversRegion 3CHF 404.70same zone
CazisRegion 3CHF 404.70same zone
DomleschgRegion 3CHF 404.70same zone
FerreraRegion 3CHF 404.70same zone
FlerdenRegion 3CHF 404.70same zone
FürstenauRegion 3CHF 404.70same zone
MaseinRegion 3CHF 404.70same zone
Muntogna da SchonsRegion 3CHF 404.70same zone
RheinwaldRegion 3CHF 404.70same zone
RongellenRegion 3CHF 404.70same zone
RothenbrunnenRegion 3CHF 404.70same zone
Sils im DomleschgRegion 3CHF 404.70same zone
SufersRegion 3CHF 404.70same zone
ThusisRegion 3CHF 404.70same zone
TschappinaRegion 3CHF 404.70same zone
UrmeinRegion 3CHF 404.70same zone
Zillis-ReischenRegion 3CHF 404.70same zone

Region 3 — Grisons

The FOPH splits some cantons into several premium regions. Two neighbouring municipalities can therefore pay different prices — which is why we never show a cantonal average in place of your prices.

See every municipality — Grisons →

district Viamala →