CSS or Sanitas in Region 3 of canton Grisons?
In Region 3, CSS is CHF 85.80 a year cheaper than Sanitas 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 427.60 a month, Sanitas to CHF 434.75. The gap is CHF 85.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to CSS is worth CHF 274.80 more a year. vita surselva
Where they stand in the region
CSS ranks 7 and Sanitas ranks 9, 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 503.00 | CHF 499.70 | + 3.30 |
| 500 | CHF 491.40 | CHF 488.10 | + 3.30 |
| 1'000 | CHF 462.20 | CHF 458.90 | + 3.30 |
| 1'500 | CHF 433.00 | CHF 429.70 | + 3.30 |
| 2'000 | CHF 403.90 | CHF 400.60 | + 3.30 |
| 2'500 | CHF 374.70 | CHF 371.40 | + 3.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 427.60 | CHF 434.75 |
| Other model | CHF 455.20 | CHF 434.80 |
| Free choice of doctor | CHF 503.00 | CHF 499.70 |
| HMO practice | — | CHF 454.80 |
How they moved in this region
Against 2025, CSS moves by + 7.0 % and Sanitas by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.