Vivao Sympany — Region 3 of canton Grisons, 2026 premiums
Vivao Sympany covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 279.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Vivao Sympany ranks 8 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 Vivao Sympany to vita surselva, the cheapest insurer in this region, saves CHF 291.60 a year for an adult on the same profile.
The full Vivao Sympany table
192 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 493.00 | CHF 433.90 | CHF 429.00 | CHF 433.90 |
| 500 | CHF 481.40 | CHF 422.20 | CHF 417.30 | CHF 422.20 |
| 1'000 | CHF 452.20 | CHF 393.10 | CHF 388.10 | CHF 393.10 |
| 1'500 | CHF 423.00 | CHF 363.90 | CHF 359.00 | CHF 363.90 |
| 2'000 | CHF 393.90 | CHF 334.70 | CHF 329.80 | CHF 334.70 |
| 2'500 | CHF 364.70 | CHF 305.60 | CHF 300.60 | CHF 305.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 359.90 | CHF 316.80 | CHF 313.20 | CHF 316.80 |
| 500 | CHF 348.30 | CHF 305.10 | CHF 301.50 | CHF 305.10 |
| 1'000 | CHF 319.10 | CHF 275.90 | CHF 272.30 | CHF 275.90 |
| 1'500 | CHF 289.90 | CHF 246.80 | CHF 243.20 | CHF 246.80 |
| 2'000 | CHF 260.80 | CHF 217.60 | CHF 214.00 | CHF 217.60 |
| 2'500 | CHF 231.60 | CHF 193.50 | CHF 193.50 | CHF 193.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 145.50 | CHF 128.00 | CHF 126.60 | CHF 128.00 |
| 200 | CHF 133.80 | CHF 116.40 | CHF 114.90 | CHF 116.40 |
| 400 | CHF 122.20 | CHF 104.70 | CHF 103.20 | CHF 104.70 |
| 600 | CHF 110.50 | CHF 93.00 | CHF 91.60 | CHF 93.00 |
With or without accident cover
With accident cover: CHF 493.00 a month. Without: CHF 458.50. Dropping it saves CHF 414.00 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 410.60 in 2025 to CHF 279.60 — a rise of 4.5 %.
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 |
| Sanitas | CHF 434.75 | 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.