Helsana or Visana in Region 3 of canton Grisons?
In Region 3, Helsana is CHF 49.20 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 441.80 a month, Visana to CHF 445.90. The gap is CHF 49.20 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 Visana ranks 12, 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 526.00 | CHF 530.70 | − 4.70 |
| 500 | CHF 514.40 | CHF 524.00 | − 9.60 |
| 1'000 | CHF 485.20 | CHF 489.90 | − 4.70 |
| 1'500 | CHF 456.00 | CHF 460.70 | − 4.70 |
| 2'000 | CHF 426.90 | CHF 431.50 | − 4.60 |
| 2'500 | CHF 397.70 | CHF 402.40 | − 4.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Visana |
|---|---|---|
| Other model | CHF 441.80 | CHF 451.20 |
| Family doctor | CHF 447.10 | CHF 445.90 |
| Free choice of doctor | CHF 526.00 | CHF 530.70 |
| HMO practice | — | CHF 445.90 |
How they moved in this region
Against 2025, Helsana moves by + 1.9 % and Visana by + 2.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.