Helsana or Assura-Basis in Region 3 of canton Grisons?
In Region 3, Helsana is CHF 110.40 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 441.80 a month, Assura-Basis to CHF 451.00. The gap is CHF 110.40 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 Helsana is worth CHF 445.20 more a year. vita surselva
Where they stand in the region
Helsana ranks 11 and Assura-Basis ranks 14, 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 526.00 | CHF 495.60 | + 30.40 |
| 500 | CHF 514.40 | CHF 484.00 | + 30.40 |
| 1'000 | CHF 485.20 | CHF 454.80 | + 30.40 |
| 1'500 | CHF 456.00 | CHF 425.60 | + 30.40 |
| 2'000 | CHF 426.90 | CHF 396.50 | + 30.40 |
| 2'500 | CHF 397.70 | CHF 367.30 | + 30.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Assura-Basis |
|---|---|---|
| Other model | CHF 441.80 | — |
| Family doctor | CHF 447.10 | CHF 451.00 |
| Free choice of doctor | CHF 526.00 | CHF 495.60 |
How they moved in this region
Against 2025, Helsana moves by + 1.9 % and Assura-Basis by + 5.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.