Mutuel or EGK in Region 1 of canton Grisons?

In Region 1, Mutuel is CHF 823.20 a year cheaper than EGK for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Mutuel comes down to CHF 479.50 a month, EGK to CHF 548.10. The gap is CHF 823.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to Mutuel is worth CHF 310.80 more a year. Sanitas

Mutuel ranks 9 and EGK ranks 22, out of 24 active insurers in this region.

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	Mutuel	EGK	Gap
300	CHF 548.00	CHF 622.20	− 74.20
500	CHF 536.50	CHF 610.60	− 74.10
1'000	CHF 507.50	CHF 581.40	− 73.90
1'500	CHF 478.00	CHF 552.20	− 74.20
2'000	CHF 449.00	CHF 523.10	− 74.10
2'500	CHF 420.00	CHF 493.90	− 73.90

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, Mutuel moves by + 6.9 % and EGK by + 2.7 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.