Helsana or EGK in Region 3 of canton Grisons?
In Region 3, Helsana is CHF 313.20 a year cheaper than EGK 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, EGK to CHF 467.90. The gap is CHF 313.20 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 EGK 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 | EGK | Gap |
|---|---|---|---|
| 300 | CHF 526.00 | CHF 544.00 | − 18.00 |
| 500 | CHF 514.40 | CHF 532.30 | − 17.90 |
| 1'000 | CHF 485.20 | CHF 503.20 | − 18.00 |
| 1'500 | CHF 456.00 | CHF 474.00 | − 18.00 |
| 2'000 | CHF 426.90 | CHF 444.80 | − 17.90 |
| 2'500 | CHF 397.70 | CHF 415.70 | − 18.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | EGK |
|---|---|---|
| Other model | CHF 441.80 | CHF 467.90 |
| Family doctor | CHF 447.10 | CHF 470.60 |
| Free choice of doctor | CHF 526.00 | CHF 544.00 |
How they moved in this region
Against 2025, Helsana moves by + 1.9 % and EGK by + 2.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.