Philos — Region 1 of canton Grisons, 2026 premiums
Philos covers the 15 municipalities of Region 1 in canton Grisons. Its lowest adult premium here is CHF 357.30 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 18 out of 24 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 500.02 a month.
What staying costs
Moving from Philos to Sanitas, the cheapest insurer in this region, saves CHF 703.20 a year for an adult on the same profile.
The full Philos 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 599.00 | CHF 536.20 | CHF 512.20 | CHF 512.20 |
| 500 | CHF 587.50 | CHF 524.70 | CHF 500.70 | CHF 501.20 |
| 1'000 | CHF 558.50 | CHF 495.70 | CHF 471.70 | CHF 473.70 |
| 1'500 | CHF 529.00 | CHF 466.20 | CHF 442.20 | CHF 445.20 |
| 2'000 | CHF 500.00 | CHF 437.20 | CHF 413.20 | CHF 416.20 |
| 2'500 | CHF 471.00 | CHF 408.20 | CHF 384.20 | CHF 387.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 474.70 | CHF 434.40 | CHF 415.40 | CHF 405.90 |
| 500 | CHF 463.20 | CHF 422.90 | CHF 403.90 | CHF 394.40 |
| 1'000 | CHF 434.20 | CHF 393.90 | CHF 374.90 | CHF 365.40 |
| 1'500 | CHF 404.70 | CHF 364.40 | CHF 345.40 | CHF 335.90 |
| 2'000 | CHF 375.70 | CHF 335.40 | CHF 316.40 | CHF 306.90 |
| 2'500 | CHF 346.70 | CHF 306.40 | CHF 287.40 | CHF 277.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 111.70 | CHF 103.30 | CHF 100.00 | CHF 98.90 |
| 100 | CHF 107.40 | CHF 99.00 | CHF 95.60 | CHF 94.50 |
| 200 | CHF 103.00 | CHF 94.60 | CHF 91.30 | CHF 90.20 |
| 300 | CHF 98.60 | CHF 90.20 | CHF 86.90 | CHF 85.80 |
| 400 | CHF 94.20 | CHF 85.90 | CHF 82.50 | CHF 81.40 |
| 500 | CHF 89.90 | CHF 81.50 | CHF 78.20 | CHF 77.10 |
| 600 | CHF 85.50 | CHF 77.10 | CHF 73.70 | CHF 72.60 |
With or without accident cover
With accident cover: CHF 599.00 a month. Without: CHF 557.10. Dropping it saves CHF 502.80 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 490.10 in 2025 to CHF 357.30 — a rise of 4.5 %.
The 15 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Grisons, not to the municipality.
Arosa · Buseno · Calanca · Cama · Castaneda · Chur · Churwalden · Grono · Lostallo · Mesocco · Rossa · Roveredo (GR) · San Vittore · Santa Maria in Calanca · Soazza
The other insurers in Region 1
24 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Sanitas | CHF 453.60 | View |
| KPT | CHF 460.80 | View |
| CONCORDIA | CHF 461.70 | View |
| ÖKK | CHF 463.50 | View |
| CSS | CHF 473.90 | View |
| vita surselva | CHF 474.05 | View |
| curaulta | CHF 475.10 | View |
| Helsana | CHF 479.00 | View |
| Mutuel | CHF 479.50 | View |
| Sumiswalder | CHF 484.10 | View |
| SWICA | CHF 492.50 | View |
| sana24 | CHF 501.10 | View |
| Vivao Sympany | CHF 506.40 | View |
| Aquilana | CHF 507.80 | View |
| Avenir | CHF 508.40 | View |
| rhenusana | CHF 510.00 | View |
| Agrisano | CHF 512.10 | View |
| Visana | CHF 514.60 | View |
| Atupri | CHF 517.70 | View |
| Assura-Basis | CHF 544.80 | View |
| EGK | CHF 548.10 | View |
| Galenos | CHF 551.90 | View |
| SLKK | CHF 567.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums.