Assura-Basis or Mutuel in Region 1 of canton Grisons?
In Region 1, Mutuel is CHF 783.60 a year cheaper than Assura-Basis for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Mutuel comes down to CHF 479.50 a month, Assura-Basis to CHF 544.80. The gap is CHF 783.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to Mutuel is worth CHF 310.80 more a year. Sanitas
Where they stand in the region
Assura-Basis ranks 21 and Mutuel ranks 9, out of 24 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Assura-Basis | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 598.60 | CHF 548.00 | + 50.60 |
| 500 | CHF 587.00 | CHF 536.50 | + 50.50 |
| 1'000 | CHF 557.80 | CHF 507.50 | + 50.30 |
| 1'500 | CHF 528.60 | CHF 478.00 | + 50.60 |
| 2'000 | CHF 499.50 | CHF 449.00 | + 50.50 |
| 2'500 | CHF 470.30 | CHF 420.00 | + 50.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | Mutuel |
|---|---|---|
| Family doctor | CHF 544.80 | CHF 498.70 |
| Free choice of doctor | CHF 598.60 | CHF 548.00 |
| Other model | — | CHF 479.50 |
| HMO practice | — | CHF 482.30 |
How they moved in this region
Against 2025, Assura-Basis moves by + 5.0 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.