Health insurance Graubünden: the cheapest premiums 2027
The cheapest basic health insurance for adults in the canton of Graubünden costs CHF 347.30 per month in 2027 (Concordia, HMO, deductible 2'500, in premium region 1). Benefits are set by law and identical at every insurer, you only pay a different price.
The 10 cheapest health insurers in the canton of Graubünden 2027
Adults aged 26 and over, deductible CHF 2'500, with accident cover, in premium region 1. The cheapest tariff of each insurer. The change compares the same tariff with 2026.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | ConcordiaHMO · HMO | CHF 347.30 | +4.2% |
| 2 | KPTTelmed · KPTwin.smart - Hausarzt mit App | CHF 347.70 | +4.6% |
| 3 | SanitasTelmed · TelMed Basic | CHF 348.80 | new |
| 4 | ÖKKFamily doctor · ÖKK CASAMED HAUSARZT | CHF 352.30 | +5.1% |
| 5 | HelsanaFamily doctor · Helsana BeneFit PLUS Hausarzt R1 | CHF 359.60 | +2.5% |
| 6 | SwicaAlternative · Favorit Multichoice | CHF 364.20 | +0.0% |
| 7 | CSSFamily doctor · Hausarztversicherung Profit | CHF 369.80 | +7.0% |
| 8 | curaultaFamily doctor · CASAMED | CHF 372.20 | +5.3% |
| 9 | vita surselvaFamily doctor · Sparmed | CHF 377.25 | +8.0% |
| 10 | MutuelTelmed · SanaTel (Telemedizin) | CHF 379.40 | +7.9% |
Standard model with free choice of doctor
If you want no restriction on your choice of doctor: the cheapest insurers in the standard model, deductible CHF 300, in premium region 1.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | curaulta | CHF 525.20 | +5.0% |
| 2 | vita surselva | CHF 529.00 | +6.0% |
| 3 | ÖKK | CHF 534.00 | +3.7% |
| 4 | Sumiswalder | CHF 547.40 | +4.0% |
| 5 | Concordia | CHF 556.20 | +3.0% |
| 6 | KPT | CHF 562.90 | +3.5% |
| 7 | Sanitas | CHF 568.00 | +5.2% |
| 8 | Helsana | CHF 574.00 | +3.1% |
| 9 | rhenusana | CHF 576.50 | +4.0% |
| 10 | Mutuel | CHF 579.80 | +5.8% |
Premium regions in the canton of Graubünden
The canton is divided into 3 premium regions. The tables above apply to premium region 1. In the other regions, the cheapest insurer is:
- premium region 2: Agrisano (Telmed), CHF 322.00 per month
- premium region 3: vita surselva (Family doctor), CHF 304.60 per month
Municipalities in premium region 1 (15)
Arosa, Buseno, Calanca, Cama, Castaneda, Chur, Churwalden, Grono, Lostallo, Mesocco, Rossa, Roveredo (GR), San Vittore, Santa Maria in Calanca, Soazza
Municipalities in premium region 2 (45)
Bever, Bonaduz, Bregaglia, Brusio, Celerina/Schlarigna, Conters im Prättigau, Davos, Domat/Ems, Felsberg, Fideris, Flims, Fläsch, Furna, Grüsch, Jenaz, Jenins, Klosters, Küblis, La Punt Chamues-ch, Landquart, Luzein, Madulain, Maienfeld, Malans, Pontresina, Poschiavo, Rhäzüns, S-chanf, Samedan, Samnaun, Schiers, Scuol, Seewis im Prättigau, Sils im Engadin/Segl, Silvaplana, St. Moritz, Tamins, Trimmis, Trin, Untervaz, Val Müstair, Valsot, Zernez, Zizers, Zuoz
Municipalities in premium region 3 (40)
Albula/Alvra, Andeer, Avers, Bergün Filisur, Breil/Brigels, Cazis, Disentis/Mustér, Domleschg, Falera, Ferrera, Flerden, Fürstenau, Ilanz/Glion, Laax, Lantsch/Lenz, Lumnezia, Masein, Medel (Lucmagn), Muntogna da Schons, Obersaxen Mundaun, Rheinwald, Rongellen, Rothenbrunnen, Safiental, Sagogn, Scharans, Schluein, Schmitten (GR), Sils im Domleschg, Sufers, Sumvitg, Surses, Thusis, Trun, Tschappina, Tujetsch, Urmein, Vals, Vaz/Obervaz, Zillis-Reischen
Consistently cheap in the canton of Graubünden
Not just cheap this year, but over the years: the five insurers with the best score in the Price Consistency Rating, calculated for the canton’s main region. The last column shows in how many years since 2020 the insurer was among the 5 cheapest here (deductible 2'500).
| Insurer | Score | Years among the 5 cheapest |
|---|---|---|
| Concordia | 9.6 | 6 of 8 |
| ÖKK | 9.0 | 3 of 8 |
| KPT | 8.6 | 7 of 8 |
| Sanitas | 8.2 | 3 of 8 |
| CSS | 7.7 | 3 of 8 |
Concordia is the most price-consistent health insurer in the canton of Graubünden in 2027.
Cheapest last year, and now?
The cheapest tariff of 2026 in each premium region of the canton and what the same tariff costs in 2027. Adults, deductible 2'500, without accident cover, per month. If you switched to the cheapest insurer last year, compare again this year.
| Region | Cheapest 2026 | 2026 | 2027 | Change | Rank 2027 |
|---|---|---|---|---|---|
| Region 2 | ÖKKFamily doctor · Hausarzt | CHF 285.80 | CHF 307.60 | +7.6%Market +4.8% | 2 of 24 |
| Region 3 | ÖKKFamily doctor · Hausarzt | CHF 276.60 | CHF 289.20 | +4.6%Market +4.9% | 1 of 24 |
How much each insurer raises premiums in the canton of Graubünden
Change in the standard premium from 2026 to 2027, deductible 300, adults, average across premium regions. The smallest increase is at the top. Canton average: +3.6%.
| Insurer | Ø Standard 2027 | vs. 2026 |
|---|---|---|
| SLKK | CHF 612 | −0.8% |
| Swica | CHF 545 | +0.0% |
| Atupri | CHF 560 | +0.6% |
| EGK | CHF 587 | +0.6% |
| Helsana | CHF 544 | +1.0% |
| Assura | CHF 553 | +2.0% |
| KPT | CHF 557 | +2.8% |
| Concordia | CHF 535 | +3.0% |
| Agrisano | CHF 524 | +3.0% |
| Visana | CHF 593 | +3.5% |
| Galenos | CHF 634 | +3.6% |
| rhenusana | CHF 544 | +4.0% |
| ÖKK | CHF 511 | +4.1% |
| Mutuel | CHF 557 | +4.2% |
| Sumiswalder | CHF 514 | +4.5% |
| curaulta | CHF 488 | +5.0% |
| Sanitas | CHF 545 | +5.2% |
| Aquilana | CHF 584 | +5.5% |
| Philos | CHF 599 | +5.7% |
| sana24 | CHF 578 | +5.8% |
| vita surselva | CHF 491 | +6.0% |
| CSS | CHF 562 | +6.4% |
| Vivao Sympany | CHF 574 | +6.9% |
| Avenir | CHF 615 | +8.1% |
Frequently asked questions
Which health insurer is cheapest in the canton of Graubünden in 2027?
For adults with a 2'500 deductible and accident cover, Concordia (HMO) is the cheapest at CHF 347.30 per month, in premium region 1. In the standard model with a 300 deductible it is curaulta at CHF 525.20.
How much are health insurance premiums rising in 2027 in the canton of Graubünden?
The standard premium for adults with a 300 deductible rises by +3.6% on average in the canton of Graubünden, weighted by each insurer’s number of insured persons. Across Switzerland, the average premium rises by 5.0% according to the FOPH.
When is the deadline to switch health insurer for 2027?
Your cancellation of basic insurance must reach your insurer by 30 November 2026. The new insurer must accept you without health questions, and the switch takes effect on 1 January 2027.
Source: Federal Office of Public Health (FOPH), premiums 2027 and 2026 (opendata.swiss). No liability for accuracy. How we calculate: methodology. All cantons: overview.