Canton of Grisons: Health insurances & premiums in comparison

There are a total of 29 health insurances in the canton of Grisons. These 29 health insurances offer different models of basic insurance. Although all health insurances in Grisons are required by law to provide benefits, the monthly premiums can vary greatly. This depends on various factors such as the health insurance company chosen, the model of basic insurance, the deductible rate chosen, the premium region and the age of the insured person in the canton of Grisons.

These differences are also clearly visible in the health insurance premiums for 2024 in Grisons. The cheapest monthly premium in the canton of Grisons is currently CHF 220.65, while the most expensive is CHF 610.75. If you take a few important points into account when choosing your health insurance, you can make considerable savings in Grisons. In fact, it is possible to save up to CHF 4’681.20 in the canton of Grisons.

Please note that the premiums indicated for 2024 are based on current information and may change during the course of the year. It is advisable to regularly check the current premiums and conditions of the health insurances.

health insurance Grisons

The cheapest health insurances in the canton of Grisons

In 2024, health insurance premiums in the canton of Grisons rose by 8.7% compared to 2023. KPT, Concordia and CSS are the cheapest health insurances in the canton of Grisons. According to the FOPH, the rising premiums are the result of the growing costs in the healthcare sector, which are due to the increasing average age and medical and technological progress.

The 10 cheapest health insurances in the canton of Grisons are listed below:

Health insurance Model Premiums in CHF
Concordia HMO 252.85
CSS HMO 262.05
Sanitas CompactOne 263.85
Groupe Mutuel PrimaFlex 271.45
Atupri CareMed 281.05
ÖKK HMO 281.35
Aquilana Smartmed 281.85
Helsana Benefit Plus 284.65
Swica Favorit Medpharm 286.25

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in the canton of Grisons

*Region 1: City of Grisons

Canton Grisons: Premium region 2

The 10 cheapest health insurance companies in premium region 2(Canton of Grisons) are listed below:

Health insurance Model Premiums in CHF
KPT KPTwin 235.05
Concordia HMO 241.95
CSS HMO 244.85
Sanitas CompactOne 247.05
Swica Favorit Medpharm 250.65
ÖKK HMO 252.05
Aquilana Combi Care 253.75
Assura Qualimed 265.75
Helsana Benefit Plus 267.45
Groupe Mutuel PrimaFlex 271.45

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in premium region 2(Canton of Grisonse).

*Premium region 2: Grisons-Mittelland, Thun, Biel/Bienne, Seeland, Jura Grisonsois, Emmental.

Canton of Grisons: Premium region 3

The 10 cheapest health insurance companies in premium region 3(Canton Grisons) are listed below:

Health insurance Model Premiums in CHF
CSS HMO 220.65
Concordia HMO 222.25
Sumiswalder Telmed 232.05
Helsana Benefit Plus 234.75
KPT KPTwin 235.05
Sanitas CompactOne 235.65
Assura Qualimed 238.55
ÖKK HMO 241.95
EGK Care 248.85
Sympany Flexhelp 24 249.65

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in premium region 3(Canton of Grisons)

*Premium region 3: Oberaargau, Interlaken-Oberhasli, Obersimmantel-Saanen, Frutigen-Niedersimmantel.

Compare and change health insurance companies in Grisons

Health insurance premiums in the canton of Grisons vary considerably depending on the health insurance company. The health insurance comparison helps to find the cheapest health insurance in the canton of Grisons. It is important to note that the benefits of basic health insurance are set by law and remain identical regardless of the health insurance company. Savings on premiums are made by changing health insurances.

Basic insurance savings models in Grisons

The models of basic insurance can also influence the amount of health insurance premiums in Grisons. As a rule, insured persons pay more if they opt for a model with free choice of doctor, such as the standard model. However, if you are willing to commit to a specific contact person or a consultation hotline, you can save money in Grisons through models such as family doctor, HMO or Telmed models.

Changing the deductible rate in Grisons

Adult policyholders in Grisons can choose from a total of 6 deductibles, ranging from 300 francs to 2,500 francs. The choice of deductible rate has a direct influence on the amount of the health insurance premium. As a rule of thumb, if you choose a higher deductible rate, the monthly premium will be lower. Therefore, it may be worthwhile for people with lower health costs to choose a higher deductible rate. This way, you can save up to CHF 1,000 over the course of the year.

Health insurance premiums by canton

The health insurance premiums by canton and premium region are listed below: