Mutuel or EGK in Region 3 of canton Grisons?
In Region 3, Mutuel is CHF 147.60 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 455.60 a month, EGK to CHF 467.90. The gap is CHF 147.60 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 Mutuel is worth CHF 610.80 more a year. vita surselva
Where they stand in the region
Mutuel ranks 16 and EGK ranks 20, 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 | Mutuel | EGK | Gap |
|---|---|---|---|
| 300 | CHF 520.60 | CHF 544.00 | − 23.40 |
| 500 | CHF 509.10 | CHF 532.30 | − 23.20 |
| 1'000 | CHF 480.10 | CHF 503.20 | − 23.10 |
| 1'500 | CHF 450.60 | CHF 474.00 | − 23.40 |
| 2'000 | CHF 421.60 | CHF 444.80 | − 23.20 |
| 2'500 | CHF 392.60 | CHF 415.70 | − 23.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | EGK |
|---|---|---|
| Other model | CHF 455.60 | CHF 467.90 |
| HMO practice | CHF 458.20 | — |
| Family doctor | CHF 473.80 | CHF 470.60 |
| Free choice of doctor | CHF 520.60 | CHF 544.00 |
How they moved in this region
Against 2025, Mutuel moves by + 6.9 % and EGK by + 2.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.