CONCORDIA — Region 3 of canton Grisons, 2026 premiums
CONCORDIA covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 281.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CONCORDIA ranks 6 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 CONCORDIA to vita surselva, the cheapest insurer in this region, saves CHF 258.00 a year for an adult on the same profile.
The full CONCORDIA table
208 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 498.40 | CHF 441.10 | CHF 426.20 | CHF 426.20 |
| 500 | CHF 486.80 | CHF 429.50 | CHF 414.60 | CHF 414.60 |
| 1'000 | CHF 457.60 | CHF 400.30 | CHF 385.40 | CHF 385.40 |
| 1'500 | CHF 428.40 | CHF 371.10 | CHF 356.20 | CHF 356.20 |
| 2'000 | CHF 399.30 | CHF 342.00 | CHF 327.10 | CHF 327.10 |
| 2'500 | CHF 370.10 | CHF 312.80 | CHF 297.90 | CHF 297.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 373.80 | CHF 330.90 | CHF 319.60 | CHF 319.60 |
| 500 | CHF 362.20 | CHF 319.30 | CHF 308.00 | CHF 308.00 |
| 1'000 | CHF 333.00 | CHF 290.10 | CHF 278.80 | CHF 278.80 |
| 1'500 | CHF 303.80 | CHF 260.90 | CHF 249.60 | CHF 249.60 |
| 2'000 | CHF 274.70 | CHF 231.80 | CHF 220.50 | CHF 220.50 |
| 2'500 | CHF 245.50 | CHF 202.60 | CHF 197.80 | CHF 197.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 59.90 | CHF 53.10 | CHF 51.30 | CHF 51.30 |
| 100 | CHF 54.10 | CHF 47.30 | CHF 45.50 | CHF 45.50 |
| 200 | CHF 48.30 | CHF 41.50 | CHF 39.70 | CHF 39.70 |
| 300 | CHF 42.40 | CHF 35.60 | CHF 33.80 | CHF 33.80 |
| 400 | CHF 36.60 | CHF 31.70 | CHF 31.70 | CHF 31.70 |
| 500 | CHF 31.70 | CHF 31.70 | CHF 31.70 | CHF 31.70 |
| 600 | CHF 31.70 | CHF 31.70 | CHF 31.70 | CHF 31.70 |
With or without accident cover
With accident cover: CHF 498.40 a month. Without: CHF 471.00. Dropping it saves CHF 328.80 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 403.20 in 2025 to CHF 281.60 — a rise of 5.7 %.
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 |
| 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 |
| Avenir | CHF 483.00 | View |
| Galenos | CHF 488.30 | View |
| SLKK | CHF 493.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.