Helsana or Sanitas in Region 3 of canton Grisons?
In Region 3, Sanitas is CHF 84.60 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 434.75 a month, Helsana to CHF 441.80. The gap is CHF 84.60 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 Sanitas is worth CHF 360.60 more a year. vita surselva
Where they stand in the region
Helsana ranks 11 and Sanitas ranks 9, 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 526.00 | CHF 499.70 | + 26.30 |
| 500 | CHF 514.40 | CHF 488.10 | + 26.30 |
| 1'000 | CHF 485.20 | CHF 458.90 | + 26.30 |
| 1'500 | CHF 456.00 | CHF 429.70 | + 26.30 |
| 2'000 | CHF 426.90 | CHF 400.60 | + 26.30 |
| 2'500 | CHF 397.70 | CHF 371.40 | + 26.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Other model | CHF 441.80 | CHF 434.80 |
| Family doctor | CHF 447.10 | CHF 434.75 |
| Free choice of doctor | CHF 526.00 | CHF 499.70 |
| HMO practice | — | CHF 454.80 |
How they moved in this region
Against 2025, Helsana moves by + 1.9 % and Sanitas by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.