Sanitas or Mutuel in Region 1 of canton Grisons?
In Region 1, Sanitas is CHF 310.80 a year cheaper than Mutuel 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 453.60 a month, Mutuel to CHF 479.50. The gap is CHF 310.80 a year, 300-franc deductible, accident cover included.
What the question hides
Sanitas is also the cheapest insurer in the region, out of 24 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
Sanitas ranks 1 and Mutuel ranks 9, 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 539.90 | CHF 548.00 | − 8.10 |
| 500 | CHF 528.30 | CHF 536.50 | − 8.20 |
| 1'000 | CHF 499.10 | CHF 507.50 | − 8.40 |
| 1'500 | CHF 469.90 | CHF 478.00 | − 8.10 |
| 2'000 | CHF 440.80 | CHF 449.00 | − 8.20 |
| 2'500 | CHF 411.60 | CHF 420.00 | − 8.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Mutuel |
|---|---|---|
| Other model | CHF 453.60 | CHF 479.50 |
| Family doctor | CHF 469.70 | CHF 498.70 |
| HMO practice | CHF 491.40 | CHF 482.30 |
| Free choice of doctor | CHF 539.90 | CHF 548.00 |
How they moved in this region
Against 2025, Sanitas moves by + 3.1 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.