CSS or Sanitas in Region 1 of canton Grisons?
In Region 1, Sanitas is CHF 243.60 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Sanitas comes down to CHF 453.60 a month, CSS to CHF 473.90. The gap is CHF 243.60 a year, 300-franc deductible, accident cover included.
What the question hides
Sanitas is also the cheapest insurer in the region, out of 24 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
CSS ranks 5 and Sanitas ranks 1, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 551.00 | CHF 539.90 | + 11.10 |
| 500 | CHF 539.40 | CHF 528.30 | + 11.10 |
| 1'000 | CHF 510.20 | CHF 499.10 | + 11.10 |
| 1'500 | CHF 481.00 | CHF 469.90 | + 11.10 |
| 2'000 | CHF 451.90 | CHF 440.80 | + 11.10 |
| 2'500 | CHF 422.70 | CHF 411.60 | + 11.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 473.90 | CHF 469.70 |
| Other model | CHF 501.40 | CHF 453.60 |
| Free choice of doctor | CHF 551.00 | CHF 539.90 |
| HMO practice | — | CHF 491.40 |
How they moved in this region
Against 2025, CSS moves by + 6.9 % and Sanitas by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.