Philos — Region 3 of canton Grisons, 2026 premiums
Philos covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 309.70 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 3, cheapest to dearest.
The regional average across insurers is CHF 446.36 a month.
What staying costs
Moving from Philos to vita surselva, the cheapest insurer in this region, saves CHF 675.60 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 539.10 | CHF 482.50 | CHF 461.00 | CHF 461.00 |
| 500 | CHF 527.60 | CHF 471.00 | CHF 449.50 | CHF 450.00 |
| 1'000 | CHF 498.60 | CHF 442.00 | CHF 420.50 | CHF 422.50 |
| 1'500 | CHF 469.10 | CHF 412.50 | CHF 391.00 | CHF 393.70 |
| 2'000 | CHF 440.10 | CHF 383.50 | CHF 362.00 | CHF 364.70 |
| 2'500 | CHF 411.10 | CHF 354.50 | CHF 333.00 | CHF 335.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 427.30 | CHF 391.00 | CHF 373.90 | CHF 365.30 |
| 500 | CHF 415.80 | CHF 379.50 | CHF 362.40 | CHF 353.80 |
| 1'000 | CHF 386.80 | CHF 350.50 | CHF 333.40 | CHF 324.80 |
| 1'500 | CHF 357.30 | CHF 321.00 | CHF 303.90 | CHF 295.30 |
| 2'000 | CHF 328.30 | CHF 292.00 | CHF 274.90 | CHF 266.30 |
| 2'500 | CHF 299.30 | CHF 263.00 | CHF 245.90 | CHF 237.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 100.60 | CHF 93.00 | CHF 90.00 | CHF 89.00 |
| 100 | CHF 96.20 | CHF 88.70 | CHF 85.70 | CHF 84.60 |
| 200 | CHF 91.90 | CHF 84.30 | CHF 81.30 | CHF 80.30 |
| 300 | CHF 87.40 | CHF 79.90 | CHF 76.90 | CHF 75.90 |
| 400 | CHF 83.10 | CHF 75.50 | CHF 72.50 | CHF 71.50 |
| 500 | CHF 78.70 | CHF 71.20 | CHF 68.20 | CHF 67.20 |
| 600 | CHF 74.30 | CHF 66.80 | CHF 63.80 | CHF 62.70 |
With or without accident cover
With accident cover: CHF 539.10 a month. Without: CHF 501.40. Dropping it saves CHF 452.40 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 441.10 in 2025 to CHF 309.70 — a rise of 4.5 %.
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 |
| Mutuel | CHF 455.60 | View |
| KPT | CHF 460.00 | 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.