Health insurance premiums 2026 in Domat/Ems (GR)For an adult aged 26 or over with accident cover
From 302.15 to 608.75 CHF a month depending on the deductible and the model
117 offers from 24 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Agrisano | AGRIsmart | 412.85 | 402.75 | 377.75 | 352.65 | 327.45 | 302.45 |
| 2 |  ÖKK | Family doctor | 430.45 | 418.85 | 389.65 | 360.45 | 331.35 | 302.15 |
| 3 | ÖKK | HMO model | 430.45 | 418.85 | 389.65 | 360.45 | 331.35 | 302.15 |
| 4 | ÖKK | Select | 430.45 | 418.85 | 389.65 | 360.45 | 331.35 | 302.15 |
| 5 | Agrisano | AGRIcontact | 434.65 | 424.05 | 397.75 | 371.35 | 344.95 | 318.55 |
| 6 |  vita surselva | Sparmed | 435.65 | 426.85 | 396.00 | 369.55 | 338.65 | 326.35 |
| 7 |  curaulta | casamed | 437.65 | 426.05 | 398.45 | 371.15 | 343.65 | 320.15 |
| 8 | ÖKK | Telemedicine | 437.75 | 426.15 | 396.95 | 367.75 | 338.65 | 309.45 |
| 9 |  CONCORDIA | HMO | 440.45 | 428.85 | 399.65 | 370.45 | 341.35 | 312.15 |
| 10 | CONCORDIA | smartDoc | 440.45 | 428.85 | 399.65 | 370.45 | 341.35 | 312.15 |
| 11 | Agrisano | AGRIeco | 441.95 | 431.25 | 404.45 | 377.55 | 350.75 | 323.95 |
| 12 |  KPT | KPTwin.doc | 442.75 | 431.15 | 401.95 | 372.75 | — | 314.45 |
| 13 |  Sanitas | Family doctor 1 | 443.15 | 431.55 | 402.35 | 373.15 | 344.05 | 314.85 |
| 14 | Sanitas | TelMed (Compact One) | 443.25 | 431.65 | 402.45 | 373.25 | 344.15 | 314.95 |
| 15 |  CSS | HMO (health practice) | 444.55 | 432.95 | 403.75 | 374.55 | 345.45 | 316.25 |
| See all | See all | See all | See all | See all | See all | |||
In 2026, for an adult aged 26 or over in Domat/Ems, with accident cover, the cheapest health insurance premium is:
- 412.85 CHF a month with a 300 CHF deductible (Agrisano, AGRIsmart)
- 302.15 CHF a month with a 2'500 CHF deductible (ÖKK, Family doctor)
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Frequently asked questions
Which health insurance is the cheapest in Domat/Ems for an adult aged 26 or over with a deductible of 300 CHF, with accident cover?
In 2026, with accident cover, the cheapest offer in Domat/Ems is Agrisano (AGRIsmart) at 412.85 CHF a month. The cheapest standard model (free choice of doctor) is vita surselva (Standard model) at 458.85 CHF a month.
How much does health insurance cost in Domat/Ems in 2026 for an adult aged 26 or over?
For an adult aged 26 or over with a deductible of 300 CHF and with accident cover, monthly premiums run from 412.85 CHF (Agrisano, AGRIsmart) to 608.75 CHF (SLKK, Standard model): 117 offers from 24 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 390.15 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in Domat/Ems for an adult aged 26 or over with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 412.85 CHF a month with the 300 CHF deductible to 302.45 CHF with the 2'500 CHF deductible: 110.40 CHF less a month, 1'324.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'772 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in Domat/Ems for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?
For an adult aged 26 or over with a deductible of 300 CHF and with accident cover, the cheapest premium per model is: standard model 458.85 CHF (vita surselva), family doctor / HMO 430.45 CHF (ÖKK), flexible model 430.45 CHF (ÖKK), telemedicine 412.85 CHF (Agrisano).
Why is the FOPH-approved premium higher than the price shown?
The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 418.00 CHF at Agrisano (AGRIsmart) gives 412.85 CHF after redistribution.
Until when can I change health insurer for 2026?
Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.