Galenos — Region 3 of canton Grisons, 2026 premiums
Galenos covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 336.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Galenos ranks 23 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 Galenos to vita surselva, the cheapest insurer in this region, saves CHF 1'003.20 a year for an adult on the same profile.
The full Galenos table
260 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 | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 573.10 | CHF 501.50 | CHF 501.50 | CHF 488.30 |
| 500 | CHF 561.40 | CHF 489.80 | CHF 489.80 | CHF 476.70 |
| 1'000 | CHF 532.30 | CHF 460.70 | CHF 460.70 | CHF 447.50 |
| 1'500 | CHF 503.10 | CHF 431.50 | CHF 431.50 | CHF 418.30 |
| 2'000 | CHF 473.90 | CHF 402.30 | CHF 402.30 | CHF 389.20 |
| 2'500 | CHF 444.80 | CHF 373.20 | CHF 373.20 | CHF 360.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 418.50 | CHF 379.60 | CHF 368.70 | CHF 385.90 |
| 500 | CHF 406.80 | CHF 367.90 | CHF 357.10 | CHF 374.20 |
| 1'000 | CHF 377.60 | CHF 338.80 | CHF 327.90 | CHF 345.00 |
| 1'500 | CHF 348.50 | CHF 309.60 | CHF 298.70 | CHF 315.90 |
| 2'000 | CHF 319.30 | CHF 280.40 | CHF 269.60 | CHF 286.70 |
| 2'500 | CHF 290.10 | CHF 251.30 | CHF 240.40 | CHF 257.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 57.70 | CHF 50.90 | CHF 50.90 | CHF 54.30 |
| 100 | CHF 53.70 | CHF 47.40 | CHF 47.40 | CHF 50.60 |
| 200 | CHF 49.70 | CHF 43.80 | CHF 43.80 | CHF 46.80 |
| 300 | CHF 45.60 | CHF 40.30 | CHF 40.30 | CHF 43.00 |
| 400 | CHF 41.60 | CHF 36.80 | CHF 36.80 | CHF 39.20 |
| 500 | CHF 37.60 | CHF 33.20 | CHF 33.20 | CHF 35.50 |
| 600 | CHF 33.60 | CHF 31.10 | CHF 31.10 | CHF 31.70 |
With or without accident cover
With accident cover: CHF 573.10 a month. Without: CHF 535.60. Dropping it saves CHF 450.00 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 494.90 in 2025 to CHF 336.50 — a fall of 1.3 %.
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 |
| CSS | CHF 427.60 | 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 |
| SLKK | CHF 493.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.