Helsana or Visana in Region 1 of canton Grisons?
In Region 1, Helsana is CHF 427.20 a year cheaper than Visana 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 479.00 a month, Visana to CHF 514.60. The gap is CHF 427.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to Helsana is worth CHF 304.80 more a year. Sanitas
Where they stand in the region
Helsana ranks 8 and Visana ranks 19, 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 | Visana | Gap |
|---|---|---|---|
| 300 | CHF 557.00 | CHF 612.60 | − 55.60 |
| 500 | CHF 545.40 | CHF 605.90 | − 60.50 |
| 1'000 | CHF 516.20 | CHF 571.80 | − 55.60 |
| 1'500 | CHF 487.00 | CHF 542.60 | − 55.60 |
| 2'000 | CHF 457.90 | CHF 513.40 | − 55.50 |
| 2'500 | CHF 428.70 | CHF 484.30 | − 55.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Visana |
|---|---|---|
| Other model | CHF 479.00 | CHF 520.80 |
| Family doctor | CHF 479.00 | CHF 514.60 |
| Free choice of doctor | CHF 557.00 | CHF 612.60 |
| HMO practice | — | CHF 514.60 |
How they moved in this region
Against 2025, Helsana moves by + 2.1 % and Visana by + 2.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.