Mutuel — Region 3 of canton Grisons, 2026 premiums
Mutuel covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 304.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Mutuel ranks 16 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 Mutuel to vita surselva, the cheapest insurer in this region, saves CHF 610.80 a year for an adult on the same profile.
The full Mutuel table
260 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 | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 520.60 | CHF 473.80 | CHF 458.20 | CHF 455.60 |
| 500 | CHF 509.10 | CHF 462.30 | CHF 446.70 | CHF 444.10 |
| 1'000 | CHF 480.10 | CHF 433.30 | CHF 417.70 | CHF 415.10 |
| 1'500 | CHF 450.60 | CHF 403.80 | CHF 388.20 | CHF 385.60 |
| 2'000 | CHF 421.60 | CHF 374.80 | CHF 359.20 | CHF 356.60 |
| 2'500 | CHF 392.60 | CHF 345.80 | CHF 330.20 | CHF 327.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 375.40 | CHF 341.60 | CHF 330.40 | CHF 328.50 |
| 500 | CHF 363.90 | CHF 330.10 | CHF 318.90 | CHF 317.00 |
| 1'000 | CHF 334.90 | CHF 301.10 | CHF 289.90 | CHF 288.00 |
| 1'500 | CHF 305.40 | CHF 271.60 | CHF 260.40 | CHF 258.50 |
| 2'000 | CHF 276.40 | CHF 242.60 | CHF 231.40 | CHF 229.50 |
| 2'500 | CHF 247.40 | CHF 213.60 | CHF 202.80 | CHF 202.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 105.90 | CHF 96.30 | CHF 95.30 | CHF 95.80 |
| 100 | CHF 101.50 | CHF 92.00 | CHF 90.90 | CHF 91.50 |
| 200 | CHF 97.20 | CHF 87.60 | CHF 86.60 | CHF 87.10 |
| 300 | CHF 92.70 | CHF 83.20 | CHF 82.20 | CHF 82.70 |
| 400 | CHF 88.40 | CHF 78.90 | CHF 77.80 | CHF 78.30 |
| 500 | CHF 84.00 | CHF 74.50 | CHF 73.50 | CHF 74.00 |
| 600 | CHF 79.60 | CHF 70.10 | CHF 69.00 | CHF 69.60 |
With or without accident cover
With accident cover: CHF 520.60 a month. Without: CHF 484.20. Dropping it saves CHF 436.80 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 426.10 in 2025 to CHF 304.60 — a rise of 6.9 %.
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 |
| Helsana | CHF 441.80 | View |
| Visana | CHF 445.90 | View |
| SWICA | CHF 450.90 | View |
| Assura-Basis | CHF 451.00 | View |
| rhenusana | CHF 455.40 | 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.