# Health insurance premiums 2027 in Klosters (GR), for a young adult aged 19 to 25 who wants a deductible of 2'500 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · with accident cover · monthly premiums in CHF_

In [Klosters](https://praemiencheck.onedoc.ch/en/gr/klosters/) ([canton Graubünden](https://praemiencheck.onedoc.ch/en/gr/)), in 2027, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/) with a 2'500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/), the cheapest monthly basic insurance premium is **200.35 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 361.35 CHF with SLKK (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (2'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 311.35 | 301.25 | 276.05 | 250.75 | 225.55 | 200.35 | +5.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 334.55 | 322.90 | 293.75 | 264.55 | 235.40 | 206.25 | +5.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 334.55 | 322.90 | 293.75 | 264.55 | 235.40 | 206.25 | +5.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 334.95 | 323.35 | 294.15 | 264.95 | 235.85 | 206.65 | +2.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 335.85 | 324.35 | 295.35 | 265.85 | 236.85 | 207.85 | +1.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 336.85 | 325.25 | 296.05 | 266.85 | 237.75 | 208.55 | +3.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 337.25 | 325.65 | 296.45 | 267.25 | 238.15 | 208.95 | +2.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 338.10 | 326.45 | 297.30 | 268.10 | 238.95 | 209.80 | +5.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 338.10 | 326.45 | 297.30 | 268.10 | 238.95 | 209.80 | +5.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 338.10 | 326.45 | 297.30 | 268.10 | 238.95 | 209.80 | +5.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 338.10 | 326.45 | 297.30 | 268.10 | 238.95 | 209.80 | +5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 338.10 | 326.45 | 297.30 | 268.10 | 238.95 | 209.80 | +5.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 337.85 | 326.35 | 297.35 | 267.85 | 238.85 | 209.85 | +1.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 339.55 | 327.95 | 298.75 | 269.55 | 240.45 | 211.25 | +8.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 339.55 | 327.95 | 298.75 | 269.55 | 240.45 | 211.25 | +8.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 339.55 | 327.95 | 298.75 | 269.55 | 240.45 | 211.25 | +8.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 339.75 | 328.25 | 299.25 | 269.75 | 240.75 | 211.75 | +1.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 329.55 | 318.85 | 292.25 | 265.55 | 238.85 | 212.15 | +5.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 331.45 | 320.65 | 293.85 | 267.05 | 240.15 | 213.35 | +4.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 345.25 | 333.65 | 304.45 | 275.25 | 246.15 | 216.95 | +8.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 346.85 | 335.25 | 306.05 | 276.85 | 247.75 | 218.55 | +2.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 348.70 | 337.05 | 307.90 | 278.70 | 249.55 | 220.40 | +5.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 349.25 | 337.65 | 308.45 | 279.25 | 250.15 | 220.95 | +1.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 349.45 | 337.95 | 308.95 | 279.45 | 250.45 | 221.45 | +1.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 352.85 | 341.15 | 315.95 | 286.85 | 253.65 | 224.45 | +5.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 342.75 | 331.95 | 305.25 | 278.35 | 251.55 | 224.75 | +9.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 342.75 | 331.95 | 305.25 | 278.35 | 251.55 | 224.75 | +9.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 354.55 | 342.95 | 313.75 | 284.55 | 255.45 | 226.25 | +1.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 360.65 | 348.95 | 319.85 | 290.65 | 261.45 | 232.35 | +4.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 362.35 | 350.75 | 321.55 | 292.35 | 263.25 | 234.05 | +2.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 363.35 | 351.75 | 322.55 | 293.35 | 264.25 | 235.05 | +2.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 363.35 | 351.75 | 322.55 | 293.35 | 264.25 | 235.05 | +2.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 363.65 | 351.95 | 322.85 | 293.65 | 264.45 | 235.35 | +12.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 365.35 | 353.75 | 324.55 | 295.35 | 266.25 | 237.05 | +11.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 365.55 | 353.95 | 324.75 | 295.55 | 266.45 | 237.25 | +1.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 366.85 | 359.25 | 330.05 | 300.85 | 267.75 | 238.55 | +3.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 367.65 | 356.05 | 326.85 | 297.65 | 268.55 | 239.35 | +2.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 367.85 | 356.25 | 327.05 | 297.85 | 268.75 | 239.55 | +12.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 367.85 | 356.25 | 327.05 | 297.85 | 268.75 | 239.55 | +12.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 367.85 | 356.25 | 327.05 | 297.85 | 268.75 | 239.55 | +12.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 369.05 | 357.45 | 328.25 | 299.05 | 269.95 | 240.75 | +2.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 369.25 | 362.65 | 328.45 | 299.25 | 270.15 | 240.95 | +5.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 369.25 | 362.65 | 328.45 | 299.25 | 270.15 | 240.95 | +5.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 370.85 | 359.25 | 330.05 | 300.85 | — | 242.55 | +4.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 371.45 | 359.85 | 330.65 | 301.55 | 272.35 | 243.15 | +7.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 371.85 | 360.25 | 331.05 | 301.85 | 272.75 | 243.55 | +6.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 372.95 | 361.35 | 332.15 | 302.95 | 273.85 | 244.65 | +9.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 363.05 | 352.95 | 327.55 | 302.25 | 276.85 | 245.55 | +3.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 373.95 | 362.35 | 333.15 | 303.95 | — | 245.65 | +3.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 376.05 | 364.45 | 335.25 | 306.05 | 276.95 | 247.75 | +0.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 376.35 | 364.65 | 335.55 | 306.35 | 277.15 | 248.05 | +12.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 377.65 | 370.95 | 336.85 | 307.65 | 278.45 | 249.35 | +5.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 377.75 | 366.15 | 336.95 | 307.75 | 278.65 | 249.45 | +8.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 375.95 | 364.35 | 335.15 | 305.95 | 276.85 | 250.65 | +11.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 378.05 | 366.45 | 337.25 | 308.05 | 278.95 | 252.75 | +11.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 381.55 | 369.95 | 340.75 | 311.55 | 282.45 | 253.25 | +4.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 381.85 | 375.15 | 340.95 | 311.85 | 282.65 | 253.45 | +5.3 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 366.55 | 356.55 | 334.35 | 309.05 | 284.85 | 254.45 | +5.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 384.55 | 372.95 | 343.75 | 314.55 | 285.45 | 256.25 | +0.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 384.55 | 372.95 | 343.75 | 314.55 | 285.45 | 256.25 | −1.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 384.55 | 373.05 | 344.05 | 314.55 | 285.55 | 256.55 | +1.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 389.65 | 378.05 | 348.85 | 319.65 | — | 261.35 | +3.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 392.25 | 385.55 | 351.45 | 322.25 | 293.05 | 263.95 | +5.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 392.45 | 380.85 | 351.65 | 322.45 | 293.35 | 264.15 | +2.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 392.75 | 381.15 | 351.95 | 322.75 | — | 264.45 | +3.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 376.95 | 369.25 | 344.15 | 314.95 | 293.85 | 264.65 | +4.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 394.35 | 382.65 | 353.45 | 324.35 | 295.15 | 265.95 | +8.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 394.35 | 382.65 | 353.45 | 324.35 | 295.15 | 265.95 | +8.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 394.05 | 382.55 | 353.55 | 324.05 | 295.05 | 266.05 | +6.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 395.25 | 385.25 | 355.25 | 327.25 | 299.25 | 267.25 | +5.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 396.95 | 385.35 | 356.15 | 326.95 | 297.85 | 268.65 | 0.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 380.95 | 373.25 | 348.15 | 318.95 | 297.85 | 268.65 | +3.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 392.95 | 385.35 | 356.15 | 326.95 | 297.85 | 268.65 | +4.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 398.15 | 386.45 | 357.35 | 328.15 | 298.95 | 269.85 | +5.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 398.65 | 387.15 | 358.15 | 328.65 | 299.65 | 270.65 | +10.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 401.25 | 389.65 | 360.45 | 331.25 | 302.15 | 272.95 | +0.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 401.55 | 389.85 | 360.65 | 331.55 | 302.35 | 273.15 | +2.5 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 390.25 | 379.75 | 356.75 | 330.25 | 305.25 | 273.65 | +7.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 403.25 | 391.75 | 362.75 | 333.25 | 304.25 | 275.25 | +10.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 403.75 | 392.05 | 362.85 | 333.75 | 304.55 | 275.35 | +5.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 403.35 | 391.85 | 362.85 | 333.35 | 304.35 | 275.35 | +6.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 405.25 | 393.65 | 364.45 | 335.25 | — | 276.95 | +0.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 377.15 | 368.15 | 345.65 | 323.15 | 300.15 | 277.65 | +5.5 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 395.85 | 384.25 | 355.35 | 325.85 | 301.85 | 278.85 | +5.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 407.25 | 400.65 | 366.45 | 337.25 | 308.15 | 278.95 | +5.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 408.05 | 396.55 | 367.55 | 338.05 | 309.05 | 280.05 | +6.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 411.05 | 399.45 | 370.25 | 341.05 | 311.95 | 282.75 | New tariff 2027 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 412.45 | 400.95 | 371.95 | 342.45 | 313.45 | 284.45 | +10.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 413.15 | 406.45 | 372.25 | 343.15 | 313.95 | 284.75 | +5.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 415.75 | 404.05 | 374.95 | 345.75 | 316.55 | 287.45 | +5.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 415.75 | 404.15 | 374.95 | 345.75 | 316.65 | 287.45 | +2.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 415.75 | 404.15 | 374.95 | 345.75 | 316.65 | 287.45 | +2.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 417.05 | 405.55 | 376.55 | 347.05 | 318.05 | 289.05 | +10.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 417.65 | 405.95 | 376.75 | 347.65 | 318.45 | 289.25 | +5.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 417.95 | 406.35 | 377.15 | 348.05 | 318.85 | 289.65 | +8.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 416.25 | 406.15 | 378.35 | 348.90 | 319.40 | 289.95 | +7.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 418.45 | 406.85 | 377.65 | 348.45 | 319.35 | 290.15 | −1.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 418.65 | 407.05 | 377.85 | 348.65 | 319.55 | 290.35 | +11.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 420.35 | 408.75 | 379.55 | 350.35 | 321.25 | 292.05 | +2.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 420.85 | 409.25 | 380.05 | 350.85 | 321.75 | 292.55 | +8.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 421.95 | 410.45 | 381.45 | 351.95 | 322.95 | 293.95 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 425.35 | 413.65 | 384.45 | 355.35 | 326.15 | 296.95 | +8.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 425.35 | 413.65 | 384.45 | 355.35 | 326.15 | 296.95 | +8.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 410.35 | 400.35 | 375.85 | 351.35 | 326.85 | 302.45 | +5.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 434.15 | 422.55 | 393.35 | 364.15 | 335.05 | 305.85 | +2.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 434.15 | 422.55 | 393.35 | 364.15 | 335.05 | 305.85 | +2.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 434.15 | 422.55 | 393.35 | 364.15 | 335.05 | 305.85 | +8.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 436.55 | 424.95 | 395.75 | 366.55 | — | 308.25 | +3.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 420.45 | 410.45 | 385.35 | 360.25 | 335.25 | 310.15 | −2.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 438.65 | 426.95 | 397.75 | 368.65 | 339.45 | 310.25 | +8.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 440.25 | 429.75 | 403.55 | 377.25 | 351.05 | 324.75 | −2.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 456.25 | 444.75 | 415.75 | 386.25 | 357.25 | 328.25 | +10.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 445.15 | 434.65 | 408.05 | 381.45 | 354.95 | 328.45 | −2.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 457.25 | 445.65 | 416.45 | 387.25 | 358.15 | 328.95 | +2.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 458.85 | 447.15 | 418.05 | 388.85 | 359.65 | 330.55 | +5.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 461.65 | 450.15 | 421.15 | 391.65 | 362.65 | 333.65 | +6.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 489.65 | 478.05 | 448.85 | 419.65 | 390.55 | 361.35 | −2.4 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Klosters for a young adult aged 19 to 25 with a deductible of 2'500 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/), the cheapest offer in [Klosters](https://praemiencheck.onedoc.ch/en/gr/klosters/) is Agrisano (AGRIsmart) at 200.35 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 220.40 CHF a month.

### How much does health insurance cost in Klosters in 2027 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/) with a deductible of 2'500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/), monthly premiums run from 200.35 CHF (Agrisano, AGRIsmart) to 361.35 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: 284.25 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Klosters for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 311.35 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/deductible-300/) to 200.35 CHF with the 2'500 CHF deductible: 111.00 CHF less a month, 1'332.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'780 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Klosters for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 2'500 CHF and with accident cover, the cheapest premium per model is: standard model 220.40 CHF (Sanitas), family doctor / HMO 206.25 CHF (Sanitas), flexible model 209.80 CHF (Sanitas), telemedicine 200.35 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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 205.10 CHF at Agrisano (AGRIsmart) gives 200.35 CHF after redistribution.

### Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Klosters is in region 2 of canton Graubünden.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Klosters (GR): every situation: https://praemiencheck.onedoc.ch/en/gr/klosters/
- Premiums 2027 in Klosters (GR), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/
- Premiums 2027 in Klosters (GR), young adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/gr/klosters/child/
- Adult: https://praemiencheck.onedoc.ch/en/gr/klosters/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/no-accident/deductible-2500/
- Deductible Premiums 2027 in Klosters (GR), young adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/deductible-300/
- Deductible Premiums 2027 in Klosters (GR), young adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/deductible-500/
- Deductible Premiums 2027 in Klosters (GR), young adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2027 in Klosters (GR), young adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2027 in Klosters (GR), young adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/deductible-2000/

Address of this page: praemiencheck.onedoc.ch/en/gr/klosters/young-adult/with-accident/deductible-300/ — replace `gr` with your canton’s two-letter code (ge, vd, zh…), `klosters` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-2500` with `deductible-300` for another deductible. Markdown version: add `.md`.