CSS or Helsana in Region 2 of canton Grisons?
In Region 2, CSS is CHF 39.60 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 449.70 a month, Helsana to CHF 453.00. The gap is CHF 39.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to CSS is worth CHF 380.40 more a year. Agrisano
Where they stand in the region
CSS ranks 8 and Helsana ranks 11, 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 529.00 | CHF 533.00 | − 4.00 |
| 500 | CHF 517.40 | CHF 521.40 | − 4.00 |
| 1'000 | CHF 488.20 | CHF 492.20 | − 4.00 |
| 1'500 | CHF 459.00 | CHF 463.00 | − 4.00 |
| 2'000 | CHF 429.90 | CHF 433.90 | − 4.00 |
| 2'500 | CHF 400.70 | CHF 404.70 | − 4.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Helsana |
|---|---|---|
| Family doctor | CHF 449.70 | CHF 453.00 |
| Other model | CHF 478.70 | CHF 453.00 |
| Free choice of doctor | CHF 529.00 | CHF 533.00 |
How they moved in this region
Against 2025, CSS moves by + 6.0 % and Helsana by + 0.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.