Visana or Mutuel in Region 2 of canton Grisons?
In Region 2, Mutuel is CHF 200.40 a year cheaper than Visana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Mutuel comes down to CHF 467.60 a month, Visana to CHF 484.30. The gap is CHF 200.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to Mutuel is worth CHF 595.20 more a year. Agrisano
Where they stand in the region
Visana ranks 19 and Mutuel ranks 12, 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 | Visana | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 576.50 | CHF 534.30 | + 42.20 |
| 500 | CHF 569.80 | CHF 522.80 | + 47.00 |
| 1'000 | CHF 535.70 | CHF 493.80 | + 41.90 |
| 1'500 | CHF 506.50 | CHF 464.30 | + 42.20 |
| 2'000 | CHF 477.30 | CHF 435.30 | + 42.00 |
| 2'500 | CHF 448.20 | CHF 406.30 | + 41.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Mutuel |
|---|---|---|
| Family doctor | CHF 484.30 | CHF 486.30 |
| HMO practice | CHF 484.30 | CHF 470.20 |
| Other model | CHF 490.10 | CHF 467.60 |
| Free choice of doctor | CHF 576.50 | CHF 534.30 |
How they moved in this region
Against 2025, Visana moves by + 2.8 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.