Health insurance in the canton of Grisons: 2027 premiums compared

Calculate 2027 premiums in the canton of Grisons

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According to the FOPH, the average health insurance premium in the canton of Grisons rises by 4.3% in 2027 to CHF 360.30 a month (adults aged 26 and over: CHF 415.60, +3.9%).

Average monthly premium 2027 in the canton of Grisons according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 360.30+4.3%
Adults (26 and over)CHF 415.60+3.9%
Young adults (19 to 25)CHF 291.90+5.1%
Children (up to 18)CHF 111.40+3.5%

Source: FOPH, average premiums by canton 2027 across all age groups and by age group (PDFs in German, French and Italian), published on . Averages over all insured persons in the canton or in the age group concerned, including optional deductibles and models, rounded.

2027 health insurance premiums in the canton of Grisons: our comparison

A different measure from the FOPH average, which covers all age groups, deductibles and models: these are concrete tariffs of the health insurers in our comparison for one reference profile with a CHF 300 or CHF 2,500 deductible (stated with each figure).

Basic insurance premiums according to the FOPH, less the redistribution of environmental levies — premium region Chur

In our comparison, the cheapest basic insurance in the canton of Grisons costs CHF 470.85 a month in 2027; the average across 21 tariffs compared is CHF 522.36 (adult born 1990, CHF 300 deductible, with accident cover, premium region Chur).

Cheapest premium (CHF 300 deductible)
CHF 470.85
Average (CHF 300 deductible)
CHF 522.36
Cheapest premium (CHF 2,500 deductible)
CHF 342.55
Tariffs compared
21
Change compared with 2026:
  • Cheapest premium: +CHF 14.30 (+3.1%)
  • Average: +CHF 14.83 (+2.9%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 14.30 (+4.4%)

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 three premium regions: Chur is in region 1, places such as Davos, Landquart, Scuol and St. Moritz in region 2, Ilanz/Glion in region 3 — your municipality is decisive. In remote areas, telemedicine and family-doctor models are particularly practical ways to save.

The cheapest tariffs in our comparison (canton of Grisons)

CONCORDIA
HMO
HMO
CHF 470.85
+CHF 14.30 (+3.1%)
CONCORDIA
smartDoc
Telmed / other
CHF 473.65
+CHF 17.10 (+3.7%)
CONCORDIA
MyDoc
Family doctor model
CHF 487.55
+CHF 14.80 (+3.1%)
SWICA
Favorit Multichoice
Telmed / other
CHF 487.75
new to the list
SWICA
Favorit Medpharm
Telmed / other
CHF 493.65
new to the list

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Chur — FOPH premiums 2027, less the redistribution of environmental levies · 13.11.2026

Health insurers that are not in our comparison are also missing from the figures on this page.

Premiums for all 26 cantons in one table →

Which premium region is your Grisons municipality in?

Region 1 comprises only 15 municipalities: besides Chur, for example Arosa, Churwalden, Roveredo, Grono and Mesocco. Region 2 has 45 municipalities, including Domat/Ems, Flims, Klosters, Maienfeld, Samedan, Pontresina, Poschiavo and Val Müstair. Region 3 has 40 municipalities such as Disentis/Mustér, Laax, Thusis, Vaz/Obervaz, Surses and Vals. The postcode only helps with the search; the region of each municipality is in the FOPH list of premium regions valid from 1 January 2027.

Sources: BAG: Prämienregionen (gültig ab 1.1.2027) · FOPH: Health insurance: Premium regions

Hospital outside Grisons: what does basic insurance pay?

For a hospital stay, you can choose among the hospitals on the Grisons hospital list or on the list of the canton where they are located. If the hospital is on the Grisons list for your treatment, you have no additional costs. Otherwise the insurer and the canton pay at most the Grisons reference tariff, unless the canton gives a cost approval (Kostengutsprache) because it is an emergency or the treatment is not available, or not available in time, in Grisons. For planned treatment, your doctor submits the request to the Gesundheitsamt Graubünden (cantonal health office) before you are admitted to hospital.

Sources: Kanton Graubünden: Ausserkantonale Spitalbehandlungen · Gesundheitsamt Graubünden: Merkblatt ausserkantonale Hospitalisation · BAG: Krankenversicherung: Spitalbehandlung

New to Grisons or in a seasonal job: what applies to you?

If you move to Switzerland, you must take out insurance within three months. With an L permit valid for more than three months, this period runs from your registration with the residents' registration office (Einwohnerkontrolle). For assignments of up to three months, the obligation applies in principle from the first day, unless you have equivalent cover for treatment in Switzerland; for EU and EFTA nationals, this cover must be private. Your municipality of residence is responsible for checks and exemptions; if you have no residence, it is the municipality where you stay or work.

Sources: Kanton Graubünden: KVG-Befreiung, Allgemeine Informationen · FOPH: Workers on short-term assignments in Switzerland · BAG: Zuständige kantonale Stellen für Gesuche um Befreiung

How much could you save?

Calculate your personal premium in two minutes — Chur is already pre-filled as the place of residence and can be changed. Free and without obligation.

Calculate premiums in the canton of Grisons →

Frequently asked questions — health insurance in the canton of Grisons

How much do premiums rise in 2027 in the canton of Grisons?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Grisons rises by 4.3% in 2027 to CHF 360.30 (2026: CHF 345.60). For adults aged 26 and over it is CHF 415.60 (+3.9%), for young adults aged 19 to 25 CHF 291.90 (+5.1%) and for children up to 18 CHF 111.40 (+3.5%). These are averages over all insured persons in the canton, including optional deductibles and models (FOPH, 29.09.2026). Your own premium depends on your premium region, age, insurer, deductible and model.
Which health insurer is cheapest in the canton of Grisons in 2027?▼
In our comparison, basic insurance for adults starts at CHF 342.55 per month (CHF 2,500 deductible, with accident cover, premium region Chur). The cheapest tariffs with a CHF 300 deductible are further up this page. Our comparison does not show all health insurers; all premiums are available from the FOPH at priminfo.admin.ch.
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 Monday, 30 November 2026 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 that operates in Grisons must accept you, whether you live in Chur, Davos or the Val Müstair.

Sources

Official data behind the figures on this page (external links).

All health insurers and cantons

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