Avenir — Region 1 of canton Grisons, 2026 premiums
Avenir covers the 15 municipalities of Region 1 in canton Grisons. Its lowest adult premium here is CHF 353.80 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Avenir ranks 15 out of 24 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 500.02 a month.
What staying costs
Moving from Avenir to Sanitas, the cheapest insurer in this region, saves CHF 657.60 a year for an adult on the same profile.
The full Avenir table
260 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 581.00 | CHF 520.00 | CHF 508.40 | CHF 511.30 |
| 500 | CHF 569.50 | CHF 508.50 | CHF 496.90 | CHF 500.30 |
| 1'000 | CHF 540.50 | CHF 479.50 | CHF 467.90 | CHF 472.80 |
| 1'500 | CHF 511.00 | CHF 450.00 | CHF 438.40 | CHF 444.80 |
| 2'000 | CHF 482.00 | CHF 421.00 | CHF 409.40 | CHF 417.20 |
| 2'500 | CHF 453.00 | CHF 392.00 | CHF 380.40 | CHF 389.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 437.20 | CHF 400.10 | CHF 382.60 | CHF 387.00 |
| 500 | CHF 425.70 | CHF 388.60 | CHF 371.10 | CHF 375.50 |
| 1'000 | CHF 396.70 | CHF 359.60 | CHF 342.10 | CHF 346.50 |
| 1'500 | CHF 367.20 | CHF 330.10 | CHF 312.60 | CHF 317.00 |
| 2'000 | CHF 338.20 | CHF 301.10 | CHF 283.60 | CHF 288.00 |
| 2'500 | CHF 309.20 | CHF 272.10 | CHF 254.60 | CHF 259.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 122.10 | CHF 112.90 | CHF 109.30 | CHF 109.30 |
| 100 | CHF 117.70 | CHF 108.60 | CHF 104.90 | CHF 104.90 |
| 200 | CHF 113.40 | CHF 104.20 | CHF 100.60 | CHF 100.60 |
| 300 | CHF 108.90 | CHF 99.80 | CHF 96.10 | CHF 96.10 |
| 400 | CHF 104.60 | CHF 95.40 | CHF 91.80 | CHF 91.80 |
| 500 | CHF 100.20 | CHF 91.10 | CHF 87.40 | CHF 87.40 |
| 600 | CHF 95.80 | CHF 86.70 | CHF 83.00 | CHF 83.00 |
With or without accident cover
With accident cover: CHF 581.00 a month. Without: CHF 540.40. Dropping it saves CHF 487.20 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 475.10 in 2025 to CHF 353.80 — a rise of 7.0 %.
The 15 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Grisons, not to the municipality.
Arosa · Buseno · Calanca · Cama · Castaneda · Chur · Churwalden · Grono · Lostallo · Mesocco · Rossa · Roveredo (GR) · San Vittore · Santa Maria in Calanca · Soazza
The other insurers in Region 1
24 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Sanitas | CHF 453.60 | View |
| KPT | CHF 460.80 | View |
| CONCORDIA | CHF 461.70 | View |
| ÖKK | CHF 463.50 | View |
| CSS | CHF 473.90 | View |
| vita surselva | CHF 474.05 | View |
| curaulta | CHF 475.10 | View |
| Helsana | CHF 479.00 | View |
| Mutuel | CHF 479.50 | View |
| Sumiswalder | CHF 484.10 | View |
| SWICA | CHF 492.50 | View |
| sana24 | CHF 501.10 | View |
| Vivao Sympany | CHF 506.40 | View |
| Aquilana | CHF 507.80 | View |
| rhenusana | CHF 510.00 | View |
| Agrisano | CHF 512.10 | View |
| Philos | CHF 512.20 | View |
| Visana | CHF 514.60 | View |
| Atupri | CHF 517.70 | View |
| Assura-Basis | CHF 544.80 | View |
| EGK | CHF 548.10 | View |
| Galenos | CHF 551.90 | View |
| SLKK | CHF 567.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums.