Health insurance in Chur: what you need to know
Chur is the capital of Graubünden and counts among the oldest towns in Switzerland, with finds reaching back to the Stone Age. Tucked in between the mountains, it is the gateway to the Graubünden valleys and the economic heart of the region.
Switzerland divides every canton into price zones — based on how high an area's healthcare costs are. Chur (ZIP 7000) is in zone 1 of the Canton of Grisons. Zone 1 is mostly the cities and the most expensive; zones 2 and 3 are cheaper. Your insurer may charge different premiums depending on the zone.
The Canton of Grisons is divided into 3 price zones. The gap between the most expensive and cheapest zone can reach CHF 30–80 per month — worth keeping in mind when you compare.
How much does health insurance cost in Chur?
Current mandatory health insurance (KVG) premiums for Chur (2026), based on the federal government's official rates. For identical benefits, the gap between cheapest and most expensive provider is substantial:
Cheapest premium
CHF 454 /month
Sanitas
Most expensive premium
CHF 660 /month
24 insurers compared
Savings potential per year
CHF 2'478 /year
Premiums in Chur are cheaper than the Swiss average — around 5% less. Switching to the cheapest provider brings you solid if moderate savings.
Premium by age group
Children and young adults pay significantly less. Cheapest monthly premium per age group (children without deductible, otherwise CHF 300 deductible):
| Age group | from CHF/month | Insurer |
|---|---|---|
| Kind (0–18) | CHF 100 | vita surselva |
| Junge Erwachsene (19–25) | CHF 341 | CSS |
| Erwachsene (ab 26) | CHF 454 | Sanitas |
Premium by deductible
The higher the deductible (your annual excess), the lower the premium. Cheapest monthly premium per level for adults:
| Deductible | from CHF/month |
|---|---|
| CHF 300 | CHF 454 |
| CHF 500 | CHF 442 |
| CHF 1'000 | CHF 413 |
| CHF 1'500 | CHF 384 |
| CHF 2'000 | CHF 355 |
| CHF 2'500 | CHF 325 |
Premium by insurance model
Alternative models lower the premium: with the family-doctor model you see your GP first, with Telmed you call first, with HMO you go to a health centre. Typical yearly saving versus free choice of doctor:
| Model | from CHF/month | typically saves |
|---|---|---|
| Standard (Freie Arztwahl) | CHF 499 | — |
| Hausarztmodell | CHF 462 | CHF 838/year |
| HMO | CHF 462 | CHF 907/year |
| Telmed | CHF 454 | CHF 838/year |
The cheapest health insurers
The five cheapest providers for the standard profile — benefits are legally identical everywhere:
| # | Insurer | Model | from CHF/month |
|---|---|---|---|
| 1 | Sanitas | Telmed | CHF 454 |
| 2 | CONCORDIA | HMO | CHF 462 |
| 3 | ÖKK | Hausarztmodell | CHF 464 |
| 4 | KPT | HMO | CHF 473 |
| 5 | CSS | Hausarztmodell | CHF 474 |
Note: An environmental levy refund (CO₂ and VOC redistribution) of CHF 5.15 per month is credited on every premium — so the effective cost is around CHF 62 per year lower. It applies equally to all insurers and does not change the comparison.
Profile: adult, CHF 300 deductible, with accident coverage, standard models. KVG benefits are legally identical across all providers — only the price differs.
Data source: FOPH / priminfo.admin.ch 2026
How much can I save in Chur by switching insurer?
In Chur, the cheapest basic insurance for adults costs CHF 454 per month, the most expensive CHF 660 — for benefits that are identical by law (Art. 24 KVG/LAMal). Switching from the most expensive to the cheapest insurer saves up to CHF 2'478 per year. Based on official FOPH premiums 2026 for adults, CHF 300 deductible, standard model, with accident cover — 24 insurers compared.
Your cancellation must reach your current insurer by 30 November for the switch to take effect on 1 January (Art. 7 para. 2 KVG/LAMal).
For a mountain canton, Chur is the medical anchor. The Cantonal Hospital Graubünden (KSGR) is the region's central hospital and one of the canton's largest employers. In a canton with many remote valleys, that matters: specialised care is concentrated in Chur — within easy reach and covered by basic insurance.
Low income? In Graubünden it's worth a look at the premium reduction. If you don't earn much, the canton pays part of your premium. It doesn't happen automatically here — you have to register actively with SVA Graubünden, most easily online (about 20 minutes). You can check in advance whether you qualify using the online calculator. The money goes straight to your insurer, and it combines with the cheapest fund.
Which hospitals are available in Chur?
The mandatory basic insurance (KVG/LAMal) covers general hospital treatment in your canton of residence. Residents of Chur have access to the following hospitals:
- Kantonsspital Graubünden (KSGR)
If you want free hospital choice or a private/semi-private room, you need a supplementary hospital insurance (VVG/LCA). In our VVG comparison.
How do I switch health insurance in Chur?
- Start the comparison in the Findbetter wizard — enter ZIP 7000, age, and preferred model.
- Review the top offers and pick the best insurer.
- We auto-generate the application form. You sign digitally and we forward it FINMA-compliant via our partner 4you Partners.
- If needed: we cancel your old insurer via registered letter — in time before November 30.
- From January 1, 2027, everything runs with your new insurer. You'll receive your new insurance card by post in December.
Full step-by-step guide → KVG switch 2027 guide
Frequently asked questions from Chur
Which health insurance is cheapest in Chur?+
Which price zone is Chur in?+
By when do I need to cancel my health insurance in Chur?+
How much can I save in Chur?+
Sources & legal basis
The information on this page is based on official Swiss sources. Premium data comes from the federal government's official premium calculator.
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