Helsana or Assura-Basis in Region 2 of canton Grisons?
In Region 2, Helsana is CHF 382.80 a year cheaper than Assura-Basis for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Helsana comes down to CHF 453.00 a month, Assura-Basis to CHF 484.90. The gap is CHF 382.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to Helsana is worth CHF 420.00 more a year. Agrisano
Where they stand in the region
Helsana ranks 11 and Assura-Basis ranks 20, 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 | Helsana | Assura-Basis | Gap |
|---|---|---|---|
| 300 | CHF 533.00 | CHF 532.80 | + 0.20 |
| 500 | CHF 521.40 | CHF 521.20 | + 0.20 |
| 1'000 | CHF 492.20 | CHF 492.00 | + 0.20 |
| 1'500 | CHF 463.00 | CHF 462.80 | + 0.20 |
| 2'000 | CHF 433.90 | CHF 433.70 | + 0.20 |
| 2'500 | CHF 404.70 | CHF 404.50 | + 0.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Assura-Basis |
|---|---|---|
| Other model | CHF 453.00 | — |
| Family doctor | CHF 453.00 | CHF 484.90 |
| Free choice of doctor | CHF 533.00 | CHF 532.80 |
How they moved in this region
Against 2025, Helsana moves by + 0.2 % and Assura-Basis by + 5.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.