Philos — Region 2 of canton Grisons, 2026 premiums
Philos covers the 45 municipalities of Region 2 in canton Grisons. Its lowest adult premium here is CHF 328.70 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 2, cheapest to dearest.
The regional average across insurers is CHF 467.57 a month.
What staying costs
Moving from Philos to Agrisano, the cheapest insurer in this region, saves CHF 762.00 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 563.10 | CHF 504.00 | CHF 481.50 | CHF 481.50 |
| 500 | CHF 551.60 | CHF 492.50 | CHF 470.00 | CHF 470.50 |
| 1'000 | CHF 522.60 | CHF 463.50 | CHF 441.00 | CHF 443.00 |
| 1'500 | CHF 493.10 | CHF 434.00 | CHF 411.50 | CHF 414.30 |
| 2'000 | CHF 464.10 | CHF 405.00 | CHF 382.50 | CHF 385.30 |
| 2'500 | CHF 435.10 | CHF 376.00 | CHF 353.50 | CHF 356.30 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 446.30 | CHF 408.30 | CHF 390.50 | CHF 381.60 |
| 500 | CHF 434.80 | CHF 396.80 | CHF 379.00 | CHF 370.10 |
| 1'000 | CHF 405.80 | CHF 367.80 | CHF 350.00 | CHF 341.10 |
| 1'500 | CHF 376.30 | CHF 338.30 | CHF 320.50 | CHF 311.60 |
| 2'000 | CHF 347.30 | CHF 309.30 | CHF 291.50 | CHF 282.60 |
| 2'500 | CHF 318.30 | CHF 280.30 | CHF 262.50 | CHF 253.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 105.00 | CHF 97.20 | CHF 94.00 | CHF 93.00 |
| 100 | CHF 100.70 | CHF 92.80 | CHF 89.70 | CHF 88.60 |
| 200 | CHF 96.30 | CHF 88.50 | CHF 85.30 | CHF 84.30 |
| 300 | CHF 91.90 | CHF 84.00 | CHF 80.90 | CHF 79.80 |
| 400 | CHF 87.50 | CHF 79.70 | CHF 76.50 | CHF 75.50 |
| 500 | CHF 83.20 | CHF 75.30 | CHF 72.20 | CHF 71.10 |
| 600 | CHF 78.80 | CHF 70.90 | CHF 67.80 | CHF 66.70 |
With or without accident cover
With accident cover: CHF 563.10 a month. Without: CHF 523.70. Dropping it saves CHF 472.80 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 460.70 in 2025 to CHF 328.70 — a rise of 4.5 %.
The 45 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Grisons, not to the municipality.
Bever · Bonaduz · Bregaglia · Brusio · Celerina/Schlarigna · Conters im Prättigau · Davos · Domat/Ems · Felsberg · Fideris · Flims · Fläsch · Furna · Grüsch · Jenaz · Jenins · Klosters · Küblis · La Punt Chamues-ch · Landquart · Luzein · Madulain · Maienfeld · Malans · Pontresina · Poschiavo · Rhäzüns · S-chanf · Samedan · Samnaun · Schiers · Scuol · Seewis im Prättigau · Sils im Engadin/Segl · Silvaplana · St. Moritz · Tamins · Trimmis · Trin · Untervaz · Val Müstair · Valsot · Zernez · Zizers · Zuoz
The other insurers in Region 2
24 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 418.00 | View |
| ÖKK | CHF 435.60 | View |
| vita surselva | CHF 440.80 | View |
| curaulta | CHF 442.80 | View |
| CONCORDIA | CHF 445.60 | View |
| KPT | CHF 447.90 | View |
| Sanitas | CHF 448.30 | View |
| CSS | CHF 449.70 | View |
| SWICA | CHF 450.00 | View |
| Sumiswalder | CHF 450.70 | View |
| Helsana | CHF 453.00 | View |
| Mutuel | CHF 467.60 | View |
| Atupri | CHF 469.00 | View |
| Vivao Sympany | CHF 469.00 | View |
| Aquilana | CHF 471.00 | View |
| sana24 | CHF 473.00 | View |
| rhenusana | CHF 479.40 | View |
| Visana | CHF 484.30 | View |
| Assura-Basis | CHF 484.90 | View |
| Avenir | CHF 500.80 | View |
| EGK | CHF 514.80 | View |
| Galenos | CHF 516.10 | View |
| SLKK | CHF 527.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.