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Sanitas or Mutuel in Region 3 of canton Grisons?

In Region 3, Sanitas is CHF 250.20 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 434.75 a month, Mutuel to CHF 455.60. The gap is CHF 250.20 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 Mutuel ranks 16, 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.

DeductibleSanitasMutuelGap
300CHF 499.70CHF 520.60− 20.90
500CHF 488.10CHF 509.10− 21.00
1'000CHF 458.90CHF 480.10− 21.20
1'500CHF 429.70CHF 450.60− 20.90
2'000CHF 400.60CHF 421.60− 21.00
2'500CHF 371.40CHF 392.60− 21.20

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSanitasMutuel
Family doctorCHF 434.75CHF 473.80
Other modelCHF 434.80CHF 455.60
HMO practiceCHF 454.80CHF 458.20
Free choice of doctorCHF 499.70CHF 520.60

How they moved in this region

Against 2025, Sanitas moves by + 4.2 % and Mutuel by + 6.9 % in this region.

Sanitas, Mutuel, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.