Visana or Mutuel in Region 3 of canton Grisons?
In Region 3, Visana is CHF 116.40 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
Visana comes down to CHF 445.90 a month, Mutuel to CHF 455.60. The gap is CHF 116.40 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 Visana is worth CHF 494.40 more a year. vita surselva
Where they stand in the region
Visana ranks 12 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.
| Deductible | Visana | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 530.70 | CHF 520.60 | + 10.10 |
| 500 | CHF 524.00 | CHF 509.10 | + 14.90 |
| 1'000 | CHF 489.90 | CHF 480.10 | + 9.80 |
| 1'500 | CHF 460.70 | CHF 450.60 | + 10.10 |
| 2'000 | CHF 431.50 | CHF 421.60 | + 9.90 |
| 2'500 | CHF 402.40 | CHF 392.60 | + 9.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Mutuel |
|---|---|---|
| Family doctor | CHF 445.90 | CHF 473.80 |
| HMO practice | CHF 445.90 | CHF 458.20 |
| Other model | CHF 451.20 | CHF 455.60 |
| Free choice of doctor | CHF 530.70 | CHF 520.60 |
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.