Sanitas or Assura-Basis in Region 3 of canton Grisons?
In Region 3, Sanitas is CHF 195.00 a year cheaper than Assura-Basis for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Sanitas comes down to CHF 434.75 a month, Assura-Basis to CHF 451.00. The gap is CHF 195.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to Sanitas is worth CHF 360.60 more a year. vita surselva
Where they stand in the region
Sanitas ranks 9 and Assura-Basis ranks 14, out of 24 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Sanitas | Assura-Basis | Gap |
|---|---|---|---|
| 300 | CHF 499.70 | CHF 495.60 | + 4.10 |
| 500 | CHF 488.10 | CHF 484.00 | + 4.10 |
| 1'000 | CHF 458.90 | CHF 454.80 | + 4.10 |
| 1'500 | CHF 429.70 | CHF 425.60 | + 4.10 |
| 2'000 | CHF 400.60 | CHF 396.50 | + 4.10 |
| 2'500 | CHF 371.40 | CHF 367.30 | + 4.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Assura-Basis |
|---|---|---|
| Family doctor | CHF 434.75 | CHF 451.00 |
| Other model | CHF 434.80 | — |
| HMO practice | CHF 454.80 | — |
| Free choice of doctor | CHF 499.70 | CHF 495.60 |
How they moved in this region
Against 2025, Sanitas moves by + 4.2 % and Assura-Basis by + 5.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.