Helsana or Sanitas in Region 1 of canton Grisons?
In Region 1, Sanitas is CHF 304.80 a year cheaper than Helsana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Sanitas comes down to CHF 453.60 a month, Helsana to CHF 479.00. The gap is CHF 304.80 a year, 300-franc deductible, accident cover included.
What the question hides
Sanitas is also the cheapest insurer in the region, out of 24 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
Helsana ranks 8 and Sanitas ranks 1, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 557.00 | CHF 539.90 | + 17.10 |
| 500 | CHF 545.40 | CHF 528.30 | + 17.10 |
| 1'000 | CHF 516.20 | CHF 499.10 | + 17.10 |
| 1'500 | CHF 487.00 | CHF 469.90 | + 17.10 |
| 2'000 | CHF 457.90 | CHF 440.80 | + 17.10 |
| 2'500 | CHF 428.70 | CHF 411.60 | + 17.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Other model | CHF 479.00 | CHF 453.60 |
| Family doctor | CHF 479.00 | CHF 469.70 |
| Free choice of doctor | CHF 557.00 | CHF 539.90 |
| HMO practice | — | CHF 491.40 |
How they moved in this region
Against 2025, Helsana moves by + 2.1 % and Sanitas by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.