Health insurance premiums 2027 in the canton of Graubünden
The canton of Graubünden has 3 premium regions. In 2027, the cheapest monthly basic insurance premium for an adult (26 and over, with accident cover, CHF 300 deductible, standard model) in the canton of Graubünden is CHF 450.80 with Cassa da malsauns Lumneziana (region 3). With an alternative model and the CHF 2'500 deductible it drops to CHF 304.60 (vita surselva – Sparmed (family doctor)). The dearest standard premium reaches CHF 685.20, that is CHF 2'813 more a year for the same care.
Official 2027 FOPH premiums, published on . Page updated on .
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Premium region 1: Arosa, Chur, Churwalden…
For an adult with accident cover, the cheapest standard offer in region 1 is Cassa da malsauns Lumneziana at CHF 525.20 a month (CHF 300 deductible), against CHF 500.10 in 2026. Across all models, the cheapest is Concordia – HMO (family doctor) at CHF 475.60. With the CHF 2,500 deductible it falls to CHF 347.30 (Concordia – HMO (family doctor)). The median standard premium is CHF 586.30. On average, standard-model premiums rise by +3.9% compared with 2026.
| Profile | Standard, min. deductible | All models, min. deductible | All models, max. deductible | Dearest standard | Gap per year |
|---|---|---|---|---|---|
| Adults (26+) | CHF 525.20 | CHF 475.60 | CHF 347.30 | CHF 685.20 | CHF 1'920 |
| Young adults (19–25) | CHF 370.35 | CHF 352.00 | CHF 223.70 | CHF 561.90 | CHF 2'299 |
| Children (0–18) | CHF 108.00 | CHF 102.60 | CHF 67.70 | CHF 177.00 | CHF 828 |
Minimum deductible: CHF 300 for adults and young adults, CHF 0 for children. Maximum deductible: CHF 2,500 (adults, young adults) and CHF 600 (children). "Standard" = free choice of doctor. The gap per year compares the dearest and the cheapest standard premium at the minimum deductible.
The cheapest offers in region 1
- Adults (26 and over): Cassa da malsauns Lumneziana, CHF 525.20 (standard model, CHF 300 deductible) · all models: Concordia – HMO (family doctor), CHF 475.60 · CHF 2'500 deductible: Concordia – HMO (family doctor), CHF 347.30
- Young adults (19 to 25): Sanitas, CHF 370.35 (standard model, CHF 300 deductible) · all models: Concordia – HMO (family doctor), CHF 352.00 · CHF 2'500 deductible: Concordia – HMO (family doctor), CHF 223.70
- Children (0 to 18): vita surselva, CHF 108.00 (standard model, CHF 0 deductible) · all models: vita surselva – Sparmed (family doctor), CHF 102.60 · CHF 600 deductible: vita surselva – Sparmed (family doctor), CHF 67.70
For a child, the cheapest standard premium is CHF 108.00 a month (vita surselva, CHF 0 deductible) and CHF 67.70 with the CHF 600 deductible (vita surselva – Sparmed (family doctor)).
Municipalities of region 1 (15): Arosa, Chur, Churwalden, Calanca, Grono, Castaneda, Rossa, Mesocco, Roveredo (GR), San Vittore, Buseno, Cama, Lostallo, Santa Maria in Calanca and others. Type your postcode into the comparator to find your region.
Premium region 2: Bregaglia, Luzein, Poschiavo…
For an adult with accident cover, the cheapest standard offer in region 2 is Cassa da malsauns Lumneziana at CHF 489.50 a month (CHF 300 deductible), against CHF 466.10 in 2026. Across all models, the cheapest is Agrisano – AGRIsmart (telmed) at CHF 433.00. With the CHF 2,500 deductible it falls to CHF 322.00 (Agrisano – AGRIsmart (telmed)). The median standard premium is CHF 550.90. On average, standard-model premiums rise by +3.7% compared with 2026.
| Profile | Standard, min. deductible | All models, min. deductible | All models, max. deductible | Dearest standard | Gap per year |
|---|---|---|---|---|---|
| Adults (26+) | CHF 489.50 | CHF 433.00 | CHF 322.00 | CHF 634.90 | CHF 1'745 |
| Young adults (19–25) | CHF 353.45 | CHF 316.10 | CHF 205.10 | CHF 494.40 | CHF 1'691 |
| Children (0–18) | CHF 104.00 | CHF 95.20 | CHF 64.20 | CHF 173.30 | CHF 832 |
Minimum deductible: CHF 300 for adults and young adults, CHF 0 for children. Maximum deductible: CHF 2,500 (adults, young adults) and CHF 600 (children). "Standard" = free choice of doctor. The gap per year compares the dearest and the cheapest standard premium at the minimum deductible.
The cheapest offers in region 2
- Adults (26 and over): Cassa da malsauns Lumneziana, CHF 489.50 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 433.00 · CHF 2'500 deductible: Agrisano – AGRIsmart (telmed), CHF 322.00
- Young adults (19 to 25): Sanitas, CHF 353.45 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 316.10 · CHF 2'500 deductible: Agrisano – AGRIsmart (telmed), CHF 205.10
- Children (0 to 18): vita surselva, CHF 104.00 (standard model, CHF 0 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 95.20 · CHF 600 deductible: vita surselva – Sparmed (family doctor), CHF 64.20
For a child, the cheapest standard premium is CHF 104.00 a month (vita surselva, CHF 0 deductible) and CHF 64.20 with the CHF 600 deductible (vita surselva – Sparmed (family doctor)).
Municipalities of region 2 (45): Bregaglia, Luzein, Poschiavo, Davos, Scuol, Schiers, Val Müstair, Brusio, Klosters, Landquart, Valsot, Seewis im Prättigau, Sils im Engadin/Segl, Zernez and others. Type your postcode into the comparator to find your region.
Premium region 3: Ilanz/Glion, Lumnezia, Surses…
For an adult with accident cover, the cheapest standard offer in region 3 is Cassa da malsauns Lumneziana at CHF 450.80 a month (CHF 300 deductible), against CHF 429.30 in 2026. Across all models, the cheapest is Agrisano – AGRIsmart (telmed) at CHF 421.80. With the CHF 2,500 deductible it falls to CHF 304.60 (vita surselva – Sparmed (family doctor)). The median standard premium is CHF 536.40. On average, standard-model premiums rise by +3.8% compared with 2026.
| Profile | Standard, min. deductible | All models, min. deductible | All models, max. deductible | Dearest standard | Gap per year |
|---|---|---|---|---|---|
| Adults (26+) | CHF 450.80 | CHF 421.80 | CHF 304.60 | CHF 596.70 | CHF 1'751 |
| Young adults (19–25) | CHF 342.70 | CHF 307.90 | CHF 196.90 | CHF 461.40 | CHF 1'424 |
| Children (0–18) | CHF 98.00 | CHF 92.80 | CHF 58.65 | CHF 167.20 | CHF 830 |
Minimum deductible: CHF 300 for adults and young adults, CHF 0 for children. Maximum deductible: CHF 2,500 (adults, young adults) and CHF 600 (children). "Standard" = free choice of doctor. The gap per year compares the dearest and the cheapest standard premium at the minimum deductible.
The cheapest offers in region 3
- Adults (26 and over): Cassa da malsauns Lumneziana, CHF 450.80 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 421.80 · CHF 2'500 deductible: vita surselva – Sparmed (family doctor), CHF 304.60
- Young adults (19 to 25): Sanitas, CHF 342.70 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 307.90 · CHF 2'500 deductible: Agrisano – AGRIsmart (telmed), CHF 196.90
- Children (0 to 18): vita surselva, CHF 98.00 (standard model, CHF 0 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 92.80 · CHF 600 deductible: vita surselva – Sparmed (family doctor), CHF 58.65
For a child, the cheapest standard premium is CHF 98.00 a month (vita surselva, CHF 0 deductible) and CHF 58.65 with the CHF 600 deductible (vita surselva – Sparmed (family doctor)).
Municipalities of region 3 (40): Ilanz/Glion, Lumnezia, Surses, Cazis, Albula/Alvra, Domleschg, Breil/Brigels, Bergün Filisur, Safiental, Sumvitg, Vaz/Obervaz, Disentis/Mustér, Muntogna da Schons, Rheinwald and others. Type your postcode into the comparator to find your region.
The 24 health insurers active in the canton of Graubünden
Agrisano, Aquilana, Assura, Atupri, Avenir, Cassa da malsauns Lumneziana, Concordia, CSS, EGK, Galenos, Helsana, KPT, Mutuel Assurance, ÖKK, Philos, rhenusana, sana24, Sanitas, SLKK, Sumiswalder Krankenkasse, SWICA, Sympany, Visana, vita surselva.
All of them offer exactly the same benefits for basic insurance. None may turn you down. Each insurer has its own page: premiums by canton, rank, models.
Frequently asked questions
01Which health insurer is the cheapest in the canton of Graubünden in 2027?
For an adult with accident cover, standard model and CHF 300 deductible, it is Cassa da malsauns Lumneziana at CHF 450.80 a month (region 3). By accepting an alternative model (family doctor, telemedicine) and the CHF 2,500 deductible, the lowest premium is CHF 304.60 with vita surselva – Sparmed (family doctor). The cheapest insurer depends on your age, deductible and model: the comparator gives the full ranking for your profile.
02How much does basic insurance cost for a child in the canton of Graubünden?
In 2027, the cheapest standard premium for a child (0 to 18, CHF 0 deductible) in the canton of Graubünden is CHF 98.00 a month with vita surselva, and the dearest CHF 177.00. Children pay no more than CHF 350 of co-payment a year and no deductible is compulsory.
03Are premiums rising in the canton of Graubünden in 2027?
Yes: for adults on the standard model (CHF 300 deductible), premiums in the canton of Graubünden rise by +3.8% on average between 2026 and 2027, against an average rise of +5.0% in Switzerland according to the FOPH. The rise differs from one insurer to the next, which often changes the ranking: compare every autumn.
04Until when can you switch insurer in the canton of Graubünden for 2027?
As everywhere in Switzerland, the cancellation letter must reach your current insurer by 30 November 2026 at the latest. The switch takes effect on 1 January 2027. See switch insurer in 5 steps.
2027 premiums in the other cantons
- Aargau
- Appenzell Ausserrhoden
- Appenzell Innerrhoden
- Basel-Landschaft
- Basel-Stadt
- Bern
- Fribourg
- Geneva
- Glarus
- Jura
- Lucerne
- Neuchâtel
- Nidwalden
- Obwalden
- Schaffhausen
- Schwyz
- Solothurn
- St. Gallen
- Thurgau
- Ticino
- Uri
- Valais
- Vaud
- Zug
- Zurich
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