CSS — Region 3 of canton Grisons, 2026 premiums
CSS covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 278.30 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CSS ranks 7 out of 24 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 446.36 a month.
What staying costs
Moving from CSS to vita surselva, the cheapest insurer in this region, saves CHF 274.80 a year for an adult on the same profile.
The full CSS table
180 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 503.00 | CHF 427.60 | CHF 455.20 |
| 500 | CHF 491.40 | CHF 416.00 | CHF 443.60 |
| 1'000 | CHF 462.20 | CHF 386.80 | CHF 414.40 |
| 1'500 | CHF 433.00 | CHF 357.60 | CHF 385.20 |
| 2'000 | CHF 403.90 | CHF 328.50 | CHF 356.10 |
| 2'500 | CHF 374.70 | CHF 299.30 | CHF 326.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 342.00 | CHF 320.70 | CHF 341.40 |
| 500 | CHF 330.40 | CHF 309.10 | CHF 329.80 |
| 1'000 | CHF 301.20 | CHF 279.90 | CHF 300.60 |
| 1'500 | CHF 272.00 | CHF 250.70 | CHF 271.40 |
| 2'000 | CHF 242.90 | CHF 221.60 | CHF 242.30 |
| 2'500 | CHF 213.70 | CHF 192.40 | CHF 213.10 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 110.70 | CHF 98.30 | CHF 100.10 |
| 100 | CHF 104.90 | CHF 92.50 | CHF 94.30 |
| 200 | CHF 99.10 | CHF 86.70 | CHF 88.50 |
| 300 | CHF 93.20 | CHF 80.80 | CHF 82.60 |
| 400 | CHF 87.40 | CHF 75.00 | CHF 76.80 |
| 600 | CHF 75.70 | CHF 63.30 | CHF 65.10 |
With or without accident cover
With accident cover: CHF 503.00 a month. Without: CHF 467.80. Dropping it saves CHF 422.40 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 399.80 in 2025 to CHF 278.30 — a rise of 7.0 %.
The 40 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Grisons, not to the municipality.
Albula/Alvra · Andeer · Avers · Bergün Filisur · Breil/Brigels · Cazis · Disentis/Mustér · Domleschg · Falera · Ferrera · Flerden · Fürstenau · Ilanz/Glion · Laax · Lantsch/Lenz · Lumnezia · Masein · Medel (Lucmagn) · Muntogna da Schons · Obersaxen Mundaun · Rheinwald · Rongellen · Rothenbrunnen · Safiental · Sagogn · Scharans · Schluein · Schmitten (GR) · Sils im Domleschg · Sufers · Sumvitg · Surses · Thusis · Trun · Tschappina · Tujetsch · Urmein · Vals · Vaz/Obervaz · Zillis-Reischen
The other insurers in Region 3
24 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| vita surselva | CHF 404.70 | View |
| Agrisano | CHF 407.10 | View |
| curaulta | CHF 407.90 | View |
| Sumiswalder | CHF 424.60 | View |
| ÖKK | CHF 425.70 | View |
| CONCORDIA | CHF 426.20 | View |
| Vivao Sympany | CHF 429.00 | View |
| Sanitas | CHF 434.75 | View |
| sana24 | CHF 436.20 | View |
| Helsana | CHF 441.80 | View |
| Visana | CHF 445.90 | View |
| SWICA | CHF 450.90 | View |
| Assura-Basis | CHF 451.00 | View |
| rhenusana | CHF 455.40 | View |
| Mutuel | CHF 455.60 | View |
| KPT | CHF 460.00 | View |
| Philos | CHF 461.00 | View |
| Aquilana | CHF 466.20 | View |
| EGK | CHF 467.90 | View |
| Atupri | CHF 468.00 | View |
| Avenir | CHF 483.00 | View |
| Galenos | CHF 488.30 | View |
| SLKK | CHF 493.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.