The cheapest compulsory basic insurance for adults in Graubünden costs CHF 274.70 a month in 2026 at Vita Surselva – CHF 2,500 deductible, Family doctor model, in the premium region Graubünden 3. Compared with 2025 insurers here changed their premiums by +6.4 %.
Before you compare: what you are actually choosing
Basic health insurance (Grundversicherung, KVG/LAMal) is compulsory for everyone living in Switzerland, and what it covers is written into federal law. Every insurer must offer exactly the same medical cover and must accept you regardless of your health. So a cheaper premium does not buy you less treatment – it buys the same treatment from a different company.
What you actually choose is three things: the insurer, the deductible (Franchise, CHF 300 to 2,500 for adults) and the model – whether you may go to any doctor, or agree to call a family doctor, an HMO practice or a telemedicine line first. Restricting your first point of contact is what makes the saver models cheaper.
Two things are not your choice: the canton and municipality you live in, which set the premium region, and your age group. Supplementary insurance (Zusatzversicherung) is a separate, voluntary product with its own rules – insurers may reject you there.
In Graubünden the premium does not depend on the canton but on the premium region. Enter where you live and you will see which table applies to you.
Within Graubünden the cheapest offer differs by up to CHF 545 a year depending on where you live – for identical cover.
What does health insurance cost in premium region Graubünden 1 in 2026?
In premium region 1 of the canton of Graubünden – which covers Chur, Arosa, Roveredo (GR) – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 320.15 per month in 2026, offered by Sanitas (Other saver models). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
The most commonly chosen insurer here is ÖKK (38.2% of the insured). Its cheapest offer costs CHF 330.05 a month – CHF 119 more a year than the cheapest offer, for cover that is identical by law. In basic insurance market share measures inertia, not quality.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region Graubünden 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Sanitas
Other saver models
CHF 320.15
CHF 448.45
+4.4 %
KPT
Other saver models
CHF 327.35
CHF 455.65
+3.4 %
CONCORDIA
HMO model
CHF 328.25
CHF 456.55
+10.3 %
CONCORDIA
Other saver models
CHF 328.25
CHF 456.55
+10.3 %
ÖKK
HMO model
CHF 330.05
CHF 458.35
+5.7 %
ÖKK
Family doctor model
CHF 330.05
CHF 458.35
+5.7 %
ÖKK
Other saver models
CHF 330.05
CHF 458.35
+5.7 %
Sanitas
Family doctor model
CHF 336.25
CHF 464.55
+4.3 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,540 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,010 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Graubünden 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
CSS
Family doctor model
CHF 207.75
CHF 336.05
±0.0 %
Sanitas
Family doctor model
CHF 209.65
CHF 337.95
+6.9 %
Sanitas
Other saver models
CHF 209.75
CHF 338.05
+7.0 %
Groupe Mutuel
Other saver models
CHF 212.65
CHF 340.65
+11.5 %
CONCORDIA
HMO model
CHF 212.85
CHF 341.15
+7.8 %
CONCORDIA
Other saver models
CHF 212.85
CHF 341.15
+7.8 %
Sanitas
HMO model
CHF 213.35
CHF 341.65
+8.8 %
ÖKK
HMO model
CHF 214.25
CHF 342.55
+12.7 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,540 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,010 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Graubünden 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 24.65
CHF 46.05
+1.7 %
Agrisano
HMO model
CHF 24.75
CHF 46.95
+1.7 %
SWICA
Family doctor model
CHF 26.45
CHF 47.15
+6.4 %
SWICA
Other saver models
CHF 26.45
CHF 53.55
+6.4 %
SWICA
Standard (free choice of doctor)
CHF 26.45
CHF 53.55
+6.4 %
Agrisano
Standard (free choice of doctor)
CHF 27.15
CHF 51.45
+2.2 %
sana24
HMO model
CHF 27.65
CHF 51.15
+3.1 %
Visana
HMO model
CHF 27.95
CHF 46.65
+2.5 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 257 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 290 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region Graubünden 1? (16 municipalities, 52,142 residents)
Chur · Arosa · Roveredo (GR) · Churwalden · Grono · Mesocco · San Vittore · Lostallo · Cama · Soazza · Tschiertschen-Praden · Castaneda · Calanca · Rossa · Santa Maria in Calanca · Buseno
What does health insurance cost in premium region Graubünden 2 in 2026?
In premium region 2 of the canton of Graubünden – which covers Davos, Landquart, Domat/Ems – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 302.15 per month in 2026, offered by ÖKK (HMO model). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region Graubünden 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
ÖKK
HMO model
CHF 302.15
CHF 430.45
+7.9 %
ÖKK
Family doctor model
CHF 302.15
CHF 430.45
+7.9 %
ÖKK
Other saver models
CHF 302.15
CHF 430.45
+7.9 %
Agrisano
Other saver models
CHF 302.45
CHF 412.85
+3.9 %
CONCORDIA
HMO model
CHF 312.15
CHF 440.45
+8.2 %
CONCORDIA
Other saver models
CHF 312.15
CHF 440.45
+8.2 %
KPT
Family doctor model
CHF 314.45
CHF 442.75
+6.0 %
Sanitas
Family doctor model
CHF 314.85
CHF 443.15
+5.9 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,540 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,010 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Graubünden 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Agrisano
Other saver models
CHF 189.65
CHF 299.95
+4.4 %
ÖKK
HMO model
CHF 193.25
CHF 321.55
+10.8 %
ÖKK
Family doctor model
CHF 193.25
CHF 321.55
+10.8 %
ÖKK
Other saver models
CHF 193.25
CHF 321.55
+10.8 %
Sanitas
Family doctor model
CHF 194.05
CHF 322.35
+8.9 %
Sanitas
Other saver models
CHF 194.15
CHF 322.45
+9.0 %
Sanitas
HMO model
CHF 197.55
CHF 325.85
+10.8 %
CONCORDIA
HMO model
CHF 201.75
CHF 329.15
+4.5 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,324 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,770 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Graubünden 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 20.45
CHF 36.65
+1.6 %
Agrisano
HMO model
CHF 20.65
CHF 39.55
+1.6 %
Agrisano
Standard (free choice of doctor)
CHF 22.55
CHF 43.45
+1.8 %
SWICA
Family doctor model
CHF 23.75
CHF 42.65
+6.6 %
SWICA
Other saver models
CHF 23.75
CHF 48.45
+6.6 %
SWICA
Standard (free choice of doctor)
CHF 23.75
CHF 48.45
+6.6 %
sana24
HMO model
CHF 24.65
CHF 44.75
+3.1 %
Visana
HMO model
CHF 26.05
CHF 43.65
+2.6 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 194 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 220 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region Graubünden 2? (45 municipalities, 105,623 residents)
What does health insurance cost in premium region Graubünden 3 in 2026?
In premium region 3 of the canton of Graubünden – which covers Ilanz/Glion, Thusis, Vaz/Obervaz – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 274.70 per month in 2026, offered by Vita Surselva (Family doctor model). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
The most commonly chosen insurer here is ÖKK (38.2% of the insured). Its cheapest offer costs CHF 292.25 a month – CHF 211 more a year than the cheapest offer, for cover that is identical by law. In basic insurance market share measures inertia, not quality.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region Graubünden 3 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Vita Surselva
Family doctor model
CHF 274.70
CHF 399.55
+4.3 %
Lumneziana
Family doctor model
CHF 290.75
CHF 402.75
+3.4 %
Agrisano
Other saver models
CHF 291.65
CHF 401.95
+4.0 %
ÖKK
HMO model
CHF 292.25
CHF 420.55
+8.2 %
ÖKK
Family doctor model
CHF 292.25
CHF 420.55
+8.2 %
ÖKK
Other saver models
CHF 292.25
CHF 420.55
+8.2 %
CONCORDIA
HMO model
CHF 292.75
CHF 421.05
+8.4 %
CONCORDIA
Other saver models
CHF 292.75
CHF 421.05
+8.4 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,498 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,960 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Graubünden 3 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Agrisano
Other saver models
CHF 181.75
CHF 292.05
+4.5 %
Sanitas
Family doctor model
CHF 184.10
CHF 312.40
+9.1 %
Sanitas
Other saver models
CHF 184.25
CHF 312.55
+9.2 %
ÖKK
HMO model
CHF 185.85
CHF 314.15
+9.3 %
ÖKK
Family doctor model
CHF 185.85
CHF 314.15
+9.3 %
ÖKK
Other saver models
CHF 185.85
CHF 314.15
+9.3 %
CSS
Family doctor model
CHF 187.25
CHF 315.55
+0.3 %
Sanitas
HMO model
CHF 187.55
CHF 315.85
+11.1 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,324 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,770 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Graubünden 3 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 19.75
CHF 35.55
+2.0 %
Agrisano
HMO model
CHF 20.05
CHF 38.35
+2.4 %
Agrisano
Standard (free choice of doctor)
CHF 21.85
CHF 42.15
+2.3 %
sana24
HMO model
CHF 22.35
CHF 40.85
+3.4 %
SWICA
Family doctor model
CHF 22.45
CHF 42.65
+6.2 %
SWICA
Other saver models
CHF 22.45
CHF 46.15
+6.2 %
SWICA
Standard (free choice of doctor)
CHF 22.45
CHF 46.15
+6.2 %
Visana
HMO model
CHF 23.65
CHF 39.75
+2.9 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 190 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 210 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region Graubünden 3? (40 municipalities, 43,611 residents)
The tables above show the cheapest offers for your region. What you pay today is on your policy – and at identical legal cover, the difference is pure price.
Children are insured cheaply – from CHF 19.75 a month. That ends on 1 January following the 18th birthday: the same person then counts as a young adult and pays at least CHF 181.75, roughly 9.2 times as much and CHF 1,944 more a year. The jump comes with the change of age group, not with the birthday itself.
No compulsory deductible. For children the deductible is voluntary and the lowest tier is zero. Because the break-even point is low, zero is the cheaper choice for most children.
Half the co-payment cap. Above the deductible children pay at most CHF 350 a year themselves, against CHF 700 for adults. If several children of one family are insured with the same insurer, together they pay at most the cost-sharing of one adult – so at most CHF 300 deductible and CHF 700 co-payment (Art. 64 para. 4 KVG). With different insurers this cap does not apply.
Premium reductions for children are mandatory. Cantons must reduce the premiums of children in lower and middle income households by at least 80%, and those of young adults in education by at least 50% (Art. 65 para. 1bis KVG). You apply to your canton of residence, not to the insurer.
Register before the birth. Registering a child only after birth risks rejection or a lifelong exclusion in supplementary insurance. It does not affect basic insurance – there, insurers must accept every applicant.
Why is the premium not the same everywhere in Graubünden?
Premiums are not approved per canton but per premium region. Graubünden is divided into 3 of them, because health costs differ noticeably between areas. What counts is your political municipality, not the postcode alone – moving to the next municipality can change your premium, moving within the region cannot.
By when must I cancel to switch for 2026?
Basic insurance runs to the end of the calendar year with one month's notice. To switch for the 2026 premium year you therefore had to cancel in the previous year: the letter had to arrive at your previous insurer by 30 November 2025 – sending it in time is not enough, so send it by registered post.
The cancellation only takes effect once the new insurer confirms cover, so never cancel before you have that confirmation. Supplementary insurance has its own, usually earlier deadlines – by the end of November it is normally too late for those.
There is a second date almost nobody uses: if you have the ordinary CHF 300 deductible and free choice of doctor, you may also switch at the end of June, with three months' notice – so by the end of March (Art. 7 KVG). With a saver model or a higher deductible that route is closed and the year end is your only option.
