CSS or Assura-Basis in Region 1 of canton Grisons?
In Region 1, CSS is CHF 850.80 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
CSS comes down to CHF 473.90 a month, Assura-Basis to CHF 544.80. The gap is CHF 850.80 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 CSS is worth CHF 243.60 more a year. Sanitas
Where they stand in the region
CSS ranks 5 and Assura-Basis ranks 21, 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 | CSS | Assura-Basis | Gap |
|---|---|---|---|
| 300 | CHF 551.00 | CHF 598.60 | − 47.60 |
| 500 | CHF 539.40 | CHF 587.00 | − 47.60 |
| 1'000 | CHF 510.20 | CHF 557.80 | − 47.60 |
| 1'500 | CHF 481.00 | CHF 528.60 | − 47.60 |
| 2'000 | CHF 451.90 | CHF 499.50 | − 47.60 |
| 2'500 | CHF 422.70 | CHF 470.30 | − 47.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Assura-Basis |
|---|---|---|
| Family doctor | CHF 473.90 | CHF 544.80 |
| Other model | CHF 501.40 | — |
| Free choice of doctor | CHF 551.00 | CHF 598.60 |
How they moved in this region
Against 2025, CSS moves by + 6.9 % and Assura-Basis by + 5.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.