Helsana or Sanitas in Region 2 of canton Grisons?
In Region 2, Sanitas is CHF 56.40 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 448.30 a month, Helsana to CHF 453.00. The gap is CHF 56.40 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 Sanitas is worth CHF 363.60 more a year. Agrisano
Where they stand in the region
Helsana ranks 11 and Sanitas ranks 7, 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 533.00 | CHF 515.30 | + 17.70 |
| 500 | CHF 521.40 | CHF 503.70 | + 17.70 |
| 1'000 | CHF 492.20 | CHF 474.50 | + 17.70 |
| 1'500 | CHF 463.00 | CHF 445.30 | + 17.70 |
| 2'000 | CHF 433.90 | CHF 416.20 | + 17.70 |
| 2'500 | CHF 404.70 | CHF 387.00 | + 17.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Other model | CHF 453.00 | CHF 448.40 |
| Family doctor | CHF 453.00 | CHF 448.30 |
| Free choice of doctor | CHF 533.00 | CHF 515.30 |
| HMO practice | — | CHF 469.00 |
How they moved in this region
Against 2025, Helsana moves by + 0.2 % and Sanitas by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.