Health insurance in Davos: what you need to know
Davos is the highest town in Europe and a long-established health and winter-sports resort in the mountains of Graubünden. It is known well beyond Switzerland as the host of the World Economic Forum.
Switzerland divides every canton into price zones — based on how high an area's healthcare costs are. Davos (ZIP 7270) is in zone 2 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 Davos?
Current mandatory health insurance (KVG) premiums for Davos (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 418 /month
Agrisano
Most expensive premium
CHF 614 /month
24 insurers compared
Savings potential per year
CHF 2'351 /year
This makes Davos one of the cheapest areas in Switzerland — basic insurance costs around 13% less than the Swiss average. You already enjoy low premiums here, yet comparing providers still pays off.
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 92 | Agrisano |
| Junge Erwachsene (19–25) | CHF 305 | Agrisano |
| Erwachsene (ab 26) | CHF 418 | Agrisano |
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 418 |
| CHF 500 | CHF 408 |
| CHF 1'000 | CHF 383 |
| CHF 1'500 | CHF 358 |
| CHF 2'000 | CHF 333 |
| CHF 2'500 | CHF 307 |
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 464 | — |
| Hausarztmodell | CHF 436 | CHF 775/year |
| HMO | CHF 436 | CHF 840/year |
| Telmed | CHF 418 | CHF 800/year |
The cheapest health insurers
The five cheapest providers for the standard profile — benefits are legally identical everywhere:
| # | Insurer | Model | from CHF/month |
|---|---|---|---|
| 1 | Agrisano | Telmed | CHF 418 |
| 2 | ÖKK | Hausarztmodell | CHF 436 |
| 3 | vita surselva | Hausarztmodell | CHF 441 |
| 4 | curaulta | Hausarztmodell | CHF 443 |
| 5 | CONCORDIA | HMO | CHF 446 |
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
Hospital coverage in Davos
The mandatory basic insurance (KVG/LAMal) covers general hospital treatment in your canton of residence. Residents of Davos have access to the following hospitals:
- Kantonsspital Graubünden (Chur)
- Spital Davos
- Spital Oberengadin (Samedan)
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 to switch health insurance in Davos
- Start the comparison in the Findbetter wizard — enter ZIP 7270, 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 Northlake 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 Davos
Which health insurance is cheapest in Davos?+
Which price zone is Davos in?+
By when do I need to cancel my health insurance in Davos?+
How much can I save in Davos?+
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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