Avenir — Region 3 of canton Grisons, 2026 premiums
Avenir covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 330.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Avenir ranks 22 out of 24 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 446.36 a month.
What staying costs
Moving from Avenir to vita surselva, the cheapest insurer in this region, saves CHF 939.60 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 552.00 | CHF 494.00 | CHF 483.00 | CHF 485.80 |
| 500 | CHF 540.50 | CHF 482.50 | CHF 471.50 | CHF 474.80 |
| 1'000 | CHF 511.50 | CHF 453.50 | CHF 442.50 | CHF 447.30 |
| 1'500 | CHF 482.00 | CHF 424.00 | CHF 413.00 | CHF 419.30 |
| 2'000 | CHF 453.00 | CHF 395.00 | CHF 384.00 | CHF 391.70 |
| 2'500 | CHF 424.00 | CHF 366.00 | CHF 355.00 | CHF 364.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 415.40 | CHF 380.10 | CHF 363.50 | CHF 367.60 |
| 500 | CHF 403.90 | CHF 368.60 | CHF 352.00 | CHF 356.10 |
| 1'000 | CHF 374.90 | CHF 339.60 | CHF 323.00 | CHF 327.10 |
| 1'500 | CHF 345.40 | CHF 310.10 | CHF 293.50 | CHF 297.60 |
| 2'000 | CHF 316.40 | CHF 281.10 | CHF 264.50 | CHF 268.60 |
| 2'500 | CHF 287.40 | CHF 252.10 | CHF 235.50 | CHF 239.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 116.00 | CHF 107.30 | CHF 103.80 | CHF 103.80 |
| 100 | CHF 111.60 | CHF 102.90 | CHF 99.50 | CHF 99.50 |
| 200 | CHF 107.30 | CHF 98.60 | CHF 95.10 | CHF 95.10 |
| 300 | CHF 102.80 | CHF 94.20 | CHF 90.70 | CHF 90.70 |
| 400 | CHF 98.50 | CHF 89.80 | CHF 86.30 | CHF 86.30 |
| 500 | CHF 94.10 | CHF 85.50 | CHF 82.00 | CHF 82.00 |
| 600 | CHF 89.70 | CHF 81.00 | CHF 77.60 | CHF 77.60 |
With or without accident cover
With accident cover: CHF 552.00 a month. Without: CHF 513.40. Dropping it saves CHF 463.20 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 451.30 in 2025 to CHF 330.20 — a rise of 7.0 %.
The 40 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Grisons, not to the municipality.
Albula/Alvra · Andeer · Avers · Bergün Filisur · Breil/Brigels · Cazis · Disentis/Mustér · Domleschg · Falera · Ferrera · Flerden · Fürstenau · Ilanz/Glion · Laax · Lantsch/Lenz · Lumnezia · Masein · Medel (Lucmagn) · Muntogna da Schons · Obersaxen Mundaun · Rheinwald · Rongellen · Rothenbrunnen · Safiental · Sagogn · Scharans · Schluein · Schmitten (GR) · Sils im Domleschg · Sufers · Sumvitg · Surses · Thusis · Trun · Tschappina · Tujetsch · Urmein · Vals · Vaz/Obervaz · Zillis-Reischen
The other insurers in Region 3
24 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| vita surselva | CHF 404.70 | View |
| Agrisano | CHF 407.10 | View |
| curaulta | CHF 407.90 | View |
| Sumiswalder | CHF 424.60 | View |
| ÖKK | CHF 425.70 | View |
| CONCORDIA | CHF 426.20 | View |
| CSS | CHF 427.60 | View |
| Vivao Sympany | CHF 429.00 | View |
| Sanitas | CHF 434.75 | View |
| sana24 | CHF 436.20 | View |
| Helsana | CHF 441.80 | View |
| Visana | CHF 445.90 | View |
| SWICA | CHF 450.90 | View |
| Assura-Basis | CHF 451.00 | View |
| rhenusana | CHF 455.40 | View |
| Mutuel | CHF 455.60 | View |
| KPT | CHF 460.00 | View |
| Philos | CHF 461.00 | View |
| Aquilana | CHF 466.20 | View |
| EGK | CHF 467.90 | View |
| Atupri | CHF 468.00 | View |
| Galenos | CHF 488.30 | View |
| SLKK | CHF 493.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.