CSS or Helsana in Region 1 of canton Grisons?
In Region 1, CSS is CHF 61.20 a year cheaper than Helsana 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, Helsana to CHF 479.00. The gap is CHF 61.20 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 Helsana ranks 8, 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 | Helsana | Gap |
|---|---|---|---|
| 300 | CHF 551.00 | CHF 557.00 | − 6.00 |
| 500 | CHF 539.40 | CHF 545.40 | − 6.00 |
| 1'000 | CHF 510.20 | CHF 516.20 | − 6.00 |
| 1'500 | CHF 481.00 | CHF 487.00 | − 6.00 |
| 2'000 | CHF 451.90 | CHF 457.90 | − 6.00 |
| 2'500 | CHF 422.70 | CHF 428.70 | − 6.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Helsana |
|---|---|---|
| Family doctor | CHF 473.90 | CHF 479.00 |
| Other model | CHF 501.40 | CHF 479.00 |
| Free choice of doctor | CHF 551.00 | CHF 557.00 |
How they moved in this region
Against 2025, CSS moves by + 6.9 % and Helsana by + 2.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.