Sanitas — Region 3 of canton Grisons, 2026 premiums
Sanitas covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 285.30 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Sanitas ranks 9 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 Sanitas to vita surselva, the cheapest insurer in this region, saves CHF 360.60 a year for an adult on the same profile.
The full Sanitas table
304 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 499.70 | CHF 434.75 | CHF 454.80 | CHF 434.80 |
| 500 | CHF 488.10 | CHF 423.15 | CHF 443.20 | CHF 423.20 |
| 1'000 | CHF 458.90 | CHF 393.95 | CHF 414.00 | CHF 394.00 |
| 1'500 | CHF 429.70 | CHF 364.75 | CHF 384.80 | CHF 364.80 |
| 2'000 | CHF 400.60 | CHF 335.65 | CHF 355.70 | CHF 335.70 |
| 2'500 | CHF 371.40 | CHF 306.45 | CHF 326.50 | CHF 306.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 330.90 | CHF 317.55 | CHF 321.00 | CHF 317.70 |
| 500 | CHF 319.30 | CHF 305.95 | CHF 309.40 | CHF 306.10 |
| 1'000 | CHF 290.10 | CHF 276.75 | CHF 280.20 | CHF 276.90 |
| 1'500 | CHF 260.90 | CHF 247.55 | CHF 251.00 | CHF 247.70 |
| 2'000 | CHF 231.80 | CHF 218.45 | CHF 221.90 | CHF 218.60 |
| 2'500 | CHF 202.60 | CHF 189.25 | CHF 192.70 | CHF 189.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 122.50 | CHF 118.80 | CHF 120.10 | CHF 117.60 |
| 100 | CHF 116.70 | CHF 113.00 | CHF 114.30 | CHF 111.80 |
| 200 | CHF 110.90 | CHF 107.20 | CHF 108.50 | CHF 106.00 |
| 300 | CHF 105.00 | CHF 101.30 | CHF 102.60 | CHF 100.10 |
| 400 | CHF 99.20 | CHF 95.50 | CHF 96.80 | CHF 94.30 |
| 500 | CHF 93.40 | CHF 89.70 | CHF 91.00 | CHF 88.50 |
| 600 | CHF 87.50 | CHF 83.80 | CHF 85.10 | CHF 82.60 |
With or without accident cover
With accident cover: CHF 499.70 a month. Without: CHF 465.30. Dropping it saves CHF 412.80 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 417.40 in 2025 to CHF 285.30 — a rise of 4.2 %.
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 |
| 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 |
| Philos | CHF 461.00 | 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.