CSS or Visana in Region 1 of canton Grisons?

In Region 1, CSS is CHF 488.40 a year cheaper than Visana 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, Visana to CHF 514.60. The gap is CHF 488.40 a year, 300-franc deductible, accident cover included.

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

CSS ranks 5 and Visana ranks 19, out of 24 active insurers in this region.

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	Visana	Gap
300	CHF 551.00	CHF 612.60	− 61.60
500	CHF 539.40	CHF 605.90	− 66.50
1'000	CHF 510.20	CHF 571.80	− 61.60
1'500	CHF 481.00	CHF 542.60	− 61.60
2'000	CHF 451.90	CHF 513.40	− 61.50
2'500	CHF 422.70	CHF 484.30	− 61.60

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, CSS moves by + 6.9 % and Visana by + 2.8 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.