ÖKK — Region 3 of canton Grisons, 2026 premiums
ÖKK covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 276.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
ÖKK ranks 5 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 ÖKK to vita surselva, the cheapest insurer in this region, saves CHF 252.00 a year for an adult on the same profile.
The full ÖKK table
160 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 473.00 | CHF 425.70 | CHF 425.70 | CHF 425.70 |
| 500 | CHF 461.40 | CHF 414.10 | CHF 414.10 | CHF 414.10 |
| 1'000 | CHF 432.20 | CHF 384.90 | CHF 384.90 | CHF 384.90 |
| 1'500 | CHF 403.00 | CHF 355.70 | CHF 355.70 | CHF 355.70 |
| 2'000 | CHF 373.90 | CHF 326.60 | CHF 326.60 | CHF 326.60 |
| 2'500 | CHF 344.70 | CHF 297.40 | CHF 297.40 | CHF 297.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 354.80 | CHF 319.30 | CHF 319.30 | CHF 319.30 |
| 500 | CHF 343.20 | CHF 307.70 | CHF 307.70 | CHF 307.70 |
| 1'000 | CHF 314.00 | CHF 278.50 | CHF 278.50 | CHF 278.50 |
| 1'500 | CHF 284.80 | CHF 249.30 | CHF 249.30 | CHF 249.30 |
| 2'000 | CHF 255.70 | CHF 220.20 | CHF 220.20 | CHF 220.20 |
| 2'500 | CHF 226.50 | CHF 191.00 | CHF 191.00 | CHF 191.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 113.60 | CHF 102.20 | CHF 102.20 | CHF 102.20 |
| 200 | CHF 102.00 | CHF 90.60 | CHF 90.60 | CHF 90.60 |
| 400 | CHF 90.30 | CHF 78.90 | CHF 78.90 | CHF 78.90 |
| 600 | CHF 78.60 | CHF 67.20 | CHF 67.20 | CHF 67.20 |
With or without accident cover
With accident cover: CHF 473.00 a month. Without: CHF 439.90. Dropping it saves CHF 397.20 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 403.20 in 2025 to CHF 276.60 — a rise of 5.6 %.
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 |
| 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 |
| 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.