Helsana — Region 3 of canton Grisons, 2026 premiums
Helsana covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 291.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Helsana ranks 11 out of 24 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 446.36 a month.
What staying costs
Moving from Helsana to vita surselva, the cheapest insurer in this region, saves CHF 445.20 a year for an adult on the same profile.
The full Helsana table
252 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 526.00 | CHF 447.10 | CHF 441.80 |
| 500 | CHF 514.40 | CHF 435.50 | CHF 430.20 |
| 1'000 | CHF 485.20 | CHF 406.30 | CHF 401.00 |
| 1'500 | CHF 456.00 | CHF 377.10 | CHF 371.80 |
| 2'000 | CHF 426.90 | CHF 348.00 | CHF 342.70 |
| 2'500 | CHF 397.70 | CHF 318.80 | CHF 313.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 420.80 | CHF 357.60 | CHF 353.40 |
| 500 | CHF 409.20 | CHF 346.00 | CHF 341.80 |
| 1'000 | CHF 380.00 | CHF 316.80 | CHF 312.60 |
| 1'500 | CHF 350.80 | CHF 287.60 | CHF 283.40 |
| 2'000 | CHF 321.70 | CHF 258.50 | CHF 254.30 |
| 2'500 | CHF 292.50 | CHF 229.30 | CHF 226.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 120.90 | CHF 102.70 | CHF 101.50 |
| 500 | CHF 91.80 | CHF 73.60 | CHF 72.40 |
With or without accident cover
With accident cover: CHF 526.00 a month. Without: CHF 489.20. Dropping it saves CHF 441.60 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 433.50 in 2025 to CHF 291.60 — a rise of 1.9 %.
The 40 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Grisons, not to the municipality.
Albula/Alvra · Andeer · Avers · Bergün Filisur · Breil/Brigels · Cazis · Disentis/Mustér · Domleschg · Falera · Ferrera · Flerden · Fürstenau · Ilanz/Glion · Laax · Lantsch/Lenz · Lumnezia · Masein · Medel (Lucmagn) · Muntogna da Schons · Obersaxen Mundaun · Rheinwald · Rongellen · Rothenbrunnen · Safiental · Sagogn · Scharans · Schluein · Schmitten (GR) · Sils im Domleschg · Sufers · Sumvitg · Surses · Thusis · Trun · Tschappina · Tujetsch · Urmein · Vals · Vaz/Obervaz · Zillis-Reischen
The other insurers in Region 3
24 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| vita surselva | CHF 404.70 | View |
| Agrisano | CHF 407.10 | View |
| curaulta | CHF 407.90 | View |
| Sumiswalder | CHF 424.60 | View |
| ÖKK | CHF 425.70 | View |
| CONCORDIA | CHF 426.20 | View |
| CSS | CHF 427.60 | View |
| Vivao Sympany | CHF 429.00 | View |
| Sanitas | CHF 434.75 | View |
| sana24 | CHF 436.20 | View |
| Visana | CHF 445.90 | View |
| SWICA | CHF 450.90 | View |
| Assura-Basis | CHF 451.00 | View |
| rhenusana | CHF 455.40 | View |
| Mutuel | CHF 455.60 | View |
| KPT | CHF 460.00 | View |
| Philos | CHF 461.00 | View |
| Aquilana | CHF 466.20 | View |
| EGK | CHF 467.90 | View |
| Atupri | CHF 468.00 | View |
| Avenir | CHF 483.00 | View |
| Galenos | CHF 488.30 | View |
| SLKK | CHF 493.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.