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Health insurance in the canton of Grisons: 2026 premiums compared

Official basic insurance premiums — premium region Chur

CHF 448.45
Cheapest premium (CHF 300 deductible)
CHF 522.35
Average (CHF 300 deductible)
CHF 320.15
Cheapest premium (CHF 2,500 deductible)
104
Tariffs compared

Grisons is Switzerland's largest canton by area: trilingual, with around 150 valleys and decentralised care provided by regional hospitals around the cantonal hospital in Chur. For basic insurance the canton is divided into two premium regions — your municipality is decisive, for instance whether you live in the Chur area or in a valley region such as the Engadin or Surselva. In remote areas, telemedicine and family-doctor models are particularly practical ways to save.

The cheapest health insurers in the canton of Grisons

CONCORDIA
HMO
HMO
CHF 456.55
CONCORDIA
smartDoc
Telemedicine
CHF 456.55

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Chur — official FOPH premiums 2026 · 07.09.2026

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Frequently asked questions — health insurance in the canton of Grisons

How many premium regions does the canton of Grisons have?▼
Grisons is divided into two premium regions. Which one applies depends on your municipality — the Chur area lies in a different region than many valley communities. The same insurer may therefore charge a different premium in the Bündner Rheintal than in the Engadin or Surselva.
What should insured persons in Grisons pay attention to?▼
In a vast mountain canton, choose a model that suits where you live: telemedicine models work in every valley, family-doctor models require a practice within reach, and HMO centres are concentrated around Chur. Also check whether your premium region changes when you move within the canton.
How do I switch health insurer in the canton of Grisons?▼
Cancel your basic insurance in writing by 30 November at the latest; the letter must reach your current insurer by then. The contract ends on 31 December and the new policy starts on 1 January. There is no health check — every insurer must accept you, whether you live in Chur, Davos or the Val Müstair.

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