KLuG in the canton of Grisons
KLuG disappeared from the official file after 2025. In the canton of Grisons its last known premium was CHF 400.40 a month, for an adult with a CHF 300 deductible and accident cover.
What it costs today
In the same place, the cheapest insurer in 2026 is vita surselva, at CHF 404.70 a month. That is the price a former KLuG policyholder should compare against what they actually pay — an automatic transfer puts nobody with the cheapest.
The market average there is CHF 445.82: someone who does not compare pays CHF 493.44 more per year.
What it had done with its prices
Between 2015 and 2025, the lowest KLuG premium went from CHF 331.50 to CHF 400.40 a month — a rise of +20.8 %. The table below places it next to the cheapest insurer in the same place, year by year.
| Year | This insurer | The cheapest |
|---|---|---|
| 2015 | CHF 331.50 | CHF 227.80 |
| 2016 | CHF 377.90 | CHF 237.30 |
| 2017 | CHF 408.15 | CHF 274.55 |
| 2018 | CHF 408.15 | CHF 277.60 |
| 2019 | CHF 408.15 | CHF 305.20 |
| 2020 | CHF 408.15 | CHF 315.90 |
| 2021 | CHF 323.95 | CHF 321.10 |
| 2022 | CHF 323.95 | CHF 320.50 |
| 2023 | CHF 340.15 | CHF 322.00 |
| 2024 | CHF 370.75 | CHF 347.00 |
| 2025 | CHF 400.40 | CHF 388.00 |
Where did the portfolio go?
We do not say, because we do not know it from an official source. The FOPH publishes premiums, not portfolio transfers. Your current policy and statements carry the name of the insurer covering you today: that is the only reliable answer, and it is in your own paperwork.
KLuG, canton by canton
Other insurers that closed
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.