# Health insurance premiums 2027 in Lumnezia (GR), for a young adult aged 19 to 25 who wants a deductible of 2'000 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · without accident cover · monthly premiums in CHF_

In [Lumnezia](https://praemiencheck.onedoc.ch/en/gr/lumnezia/) ([canton Graubünden](https://praemiencheck.onedoc.ch/en/gr/)), in 2027, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/gr/lumnezia/young-adult/) with a 2'000 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/gr/lumnezia/young-adult/no-accident/), the cheapest monthly basic insurance premium is **206.15 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 332.35 CHF with Groupe Mutuel – Philos (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (2'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 287.75 | 278.05 | 254.25 | 230.15 | 206.15 | 182.35 | +4.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 302.35 | 291.35 | 263.75 | 236.15 | 208.65 | 185.35 | +2.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 301.55 | 290.70 | 263.55 | 236.40 | 209.25 | 182.10 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 301.55 | 290.70 | 263.55 | 236.40 | 209.25 | 182.10 | +5.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 301.65 | 290.85 | 263.65 | 236.55 | 209.45 | 182.35 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 301.65 | 290.85 | 263.65 | 236.55 | 209.45 | 182.35 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 301.65 | 290.85 | 263.65 | 236.55 | 209.45 | 182.35 | +4.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 304.15 | 293.15 | 265.55 | 237.95 | 210.45 | 185.35 | +3.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 304.55 | 293.75 | 266.55 | 239.45 | 212.35 | 185.25 | +5.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 304.70 | 293.85 | 266.75 | 239.55 | 212.40 | 185.25 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 304.70 | 293.85 | 266.75 | 239.55 | 212.40 | 185.25 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 304.70 | 293.85 | 266.75 | 239.55 | 212.40 | 185.25 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 304.70 | 293.85 | 266.75 | 239.55 | 212.40 | 185.25 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 304.70 | 293.85 | 266.75 | 239.55 | 212.40 | 185.25 | +5.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 305.35 | 294.65 | 267.65 | 240.25 | 213.25 | 186.85 | +2.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 306.75 | 295.95 | 268.85 | 241.65 | 214.55 | 187.45 | +4.5 % |
| [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) | 307.15 | 296.45 | 269.45 | 242.05 | 215.05 | 188.05 | +2.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 308.85 | 298.25 | 271.25 | 243.75 | 216.85 | 189.85 | +2.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 304.55 | 294.45 | 269.15 | 243.75 | 218.45 | 193.15 | +5.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 313.15 | 302.15 | 274.55 | 246.95 | 219.45 | 191.85 | +2.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 306.25 | 296.15 | 270.65 | 245.15 | 219.65 | 194.15 | +4.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 305.15 | 295.15 | 270.25 | 245.25 | 220.35 | 195.45 | +7.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 305.15 | 295.15 | 270.25 | 245.25 | 220.35 | 195.45 | +7.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 314.30 | 303.45 | 276.30 | 249.15 | 222.00 | 194.85 | +5.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 315.45 | 304.65 | 277.45 | 250.35 | 223.25 | 196.05 | +14.5 % |
| [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) | 317.75 | 307.05 | 280.05 | 252.65 | 225.65 | 198.75 | +2.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 318.05 | 307.25 | 280.05 | 252.95 | 225.85 | 198.75 | +9.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 318.85 | 312.65 | 280.75 | 253.45 | 226.25 | 198.95 | +5.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 318.85 | 312.65 | 280.75 | 253.45 | 226.25 | 198.95 | +5.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 319.15 | 308.35 | 281.15 | 254.05 | 226.95 | 199.85 | +14.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 319.15 | 308.35 | 281.15 | 254.05 | 226.95 | 199.85 | +14.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 319.15 | 308.35 | 281.15 | 254.05 | 226.95 | 199.85 | +14.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 322.45 | 316.25 | 284.35 | 257.05 | 229.85 | 202.55 | +5.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 326.05 | 319.85 | 287.95 | 260.65 | 233.35 | 206.15 | +4.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 326.45 | 315.65 | 288.55 | 261.35 | 234.35 | 207.15 | +14.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 327.65 | 316.85 | 293.25 | 266.15 | 235.45 | 208.35 | +4.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 330.75 | 319.75 | 292.05 | 264.25 | 236.65 | 208.95 | +0.9 % |
| [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 | 329.85 | 319.05 | 291.85 | 264.75 | 237.65 | 210.55 | +0.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 331.05 | 320.35 | 293.15 | 265.95 | 238.95 | 211.75 | +9.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 333.35 | 322.25 | 294.55 | 266.85 | 239.15 | 211.45 | +4.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 332.15 | 321.35 | 294.05 | 266.85 | 239.75 | 212.45 | +2.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 332.15 | 321.35 | 294.05 | 266.85 | 239.75 | 212.45 | +2.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 332.05 | 321.25 | 294.15 | 266.95 | 239.85 | 212.75 | +7.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 332.95 | 322.15 | 295.05 | 267.85 | 240.75 | 213.65 | +9.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 333.05 | 325.75 | 298.65 | 271.55 | 240.85 | 213.65 | 0.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 336.55 | 325.55 | 297.85 | 270.05 | 242.45 | 214.75 | +1.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 335.65 | 324.85 | 297.75 | 270.55 | 243.55 | 216.35 | +4.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 336.85 | 330.65 | 298.65 | 271.45 | 244.15 | 216.95 | +4.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 337.65 | 326.85 | 299.65 | 272.55 | 245.45 | 218.35 | +4.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 337.65 | 326.85 | 299.65 | 272.55 | 245.45 | 218.35 | +5.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 338.55 | 327.75 | 300.65 | 273.45 | 246.35 | 219.25 | +11.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 339.15 | 328.25 | 301.05 | 273.75 | 246.55 | 219.25 | +8.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 341.65 | 330.85 | 303.65 | 276.65 | 249.45 | 222.35 | +7.6 % |
| [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 R2 | 341.65 | 330.85 | 303.65 | 276.55 | 249.45 | 222.35 | +4.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 346.25 | 335.25 | 307.55 | 279.75 | 252.15 | 224.35 | +0.9 % |
| [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 | 345.55 | 334.75 | 307.55 | 280.45 | 253.35 | 226.25 | +0.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 333.95 | 324.55 | 300.85 | 277.35 | 253.65 | 235.45 | +7.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 347.55 | 336.75 | 309.55 | 282.35 | 255.15 | 227.95 | +2.0 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 326.75 | 318.25 | 298.75 | 276.45 | 255.55 | 230.35 | +5.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 354.10 | 343.30 | 314.60 | 285.90 | 257.20 | 239.30 | +6.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 349.65 | 338.95 | 311.95 | 284.55 | 257.55 | 230.65 | +2.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 350.45 | 344.25 | 312.35 | 285.05 | 257.85 | 230.55 | +4.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 352.25 | 341.35 | 314.05 | 286.85 | 259.55 | 232.35 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 352.65 | 341.85 | 314.75 | 287.55 | 260.45 | 233.35 | 0.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 345.55 | 338.25 | 314.75 | 287.55 | 260.45 | 233.35 | +7.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 338.45 | 331.15 | 307.55 | 280.45 | 260.45 | 233.35 | +4.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 349.15 | 341.85 | 314.75 | 287.55 | 260.45 | 233.35 | +4.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 354.35 | 343.35 | 315.75 | 288.15 | 260.65 | 233.05 | +2.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 333.55 | 325.25 | 304.35 | 283.45 | 262.05 | 241.05 | +5.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 354.85 | 348.55 | 316.65 | 289.35 | 262.15 | 234.85 | +4.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 350.15 | 339.35 | 312.55 | 285.05 | 262.75 | 241.35 | +5.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 355.05 | 344.25 | 317.05 | 289.95 | 262.85 | 235.75 | New tariff 2027 |
| [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) | 357.05 | 346.35 | 319.45 | 291.95 | 265.05 | 238.05 | +9.7 % |
| [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 | 357.35 | 346.55 | 319.45 | 292.25 | 265.15 | 238.05 | +2.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 357.35 | 346.55 | 319.45 | 292.25 | 265.15 | 238.05 | +0.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 359.05 | 348.25 | 321.05 | 293.95 | 266.85 | 239.75 | +2.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 359.05 | 348.25 | 321.05 | 293.95 | 266.85 | 239.75 | +2.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 361.25 | 350.55 | 323.55 | 296.15 | 269.15 | 242.15 | +9.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 362.05 | 351.15 | 323.95 | 296.65 | 269.45 | 242.15 | +7.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 362.15 | 351.45 | 324.45 | 297.05 | 270.05 | 243.15 | +10.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 362.75 | 351.85 | 324.65 | 297.35 | 270.15 | 242.85 | +4.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 363.05 | 352.25 | 325.05 | 297.95 | 270.85 | 243.75 | +2.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 363.35 | 352.45 | 325.35 | 298.25 | 271.05 | 243.95 | +13.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 365.95 | 355.05 | 327.75 | 300.45 | 273.25 | 245.95 | +7.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 365.95 | 355.05 | 327.75 | 300.45 | 273.25 | 245.95 | +7.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 365.95 | 355.05 | 327.75 | 300.45 | 273.25 | 245.95 | +7.9 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 347.95 | 339.25 | 318.85 | 295.65 | 273.45 | 247.55 | +6.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 372.95 | 361.65 | 335.20 | 305.00 | 274.75 | 255.90 | +7.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 368.85 | 357.95 | 330.65 | 303.45 | 276.15 | 248.95 | +4.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 369.45 | 358.85 | 331.85 | 304.35 | 277.45 | 250.45 | +9.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 358.65 | 349.25 | 325.65 | 302.05 | 278.45 | 254.85 | −5.8 % |
| [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) | 370.75 | 360.05 | 333.05 | 305.65 | 278.65 | 251.75 | +10.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 373.55 | 362.65 | 335.35 | 308.15 | 280.85 | 253.65 | +7.8 % |
| [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) | 373.65 | 362.95 | 335.95 | 308.55 | 281.55 | 254.55 | +9.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 375.05 | 364.25 | 337.05 | 309.95 | 282.85 | 255.65 | +2.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 375.05 | 364.25 | 337.05 | 309.95 | 282.85 | 255.65 | +2.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 375.05 | 364.35 | 337.35 | 309.95 | 282.95 | 255.95 | +10.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 377.35 | 366.45 | 339.25 | 311.95 | 284.65 | 257.45 | +7.7 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 362.95 | 353.75 | 330.95 | 308.15 | 285.35 | 262.55 | +5.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 380.95 | 369.95 | 342.15 | 314.45 | 286.85 | 259.05 | +0.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 383.85 | 372.95 | 345.65 | 318.45 | 291.15 | 263.85 | +4.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 375.55 | 365.65 | 340.95 | 316.25 | 291.65 | 266.95 | −5.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 384.45 | 373.65 | 346.45 | 319.45 | 292.25 | 265.05 | +7.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 379.75 | 369.85 | 344.85 | 319.85 | 294.95 | 269.95 | −5.8 % |
| [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) | 387.95 | 377.25 | 350.25 | 322.85 | 295.85 | 268.85 | +10.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 388.85 | 378.05 | 350.95 | 323.75 | 296.75 | 269.55 | +0.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 394.95 | 384.15 | 356.95 | 329.85 | 302.75 | 275.65 | +2.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 400.45 | 389.55 | 362.25 | 335.05 | 307.75 | 280.45 | +4.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 408.75 | 398.05 | 371.15 | 343.65 | 316.75 | 289.75 | +9.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 417.75 | 406.85 | 379.45 | 351.95 | 324.65 | 297.15 | −5.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 424.35 | 413.65 | 386.75 | 359.25 | 332.35 | 305.35 | +10.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 350.35 | 339.55 | 312.35 | 285.25 | — | 231.05 | — |
| [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) | 353.35 | 342.55 | 315.35 | 288.25 | — | 233.95 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 365.15 | 354.35 | 327.15 | 300.05 | — | 245.75 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 367.95 | 357.25 | 330.05 | 302.85 | — | 248.65 | — |
| [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 | 379.85 | 369.05 | 341.85 | 314.75 | — | 260.45 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 409.25 | 398.45 | 371.35 | 344.15 | — | 289.95 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Lumnezia for a young adult aged 19 to 25 with a deductible of 2'000 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/gr/lumnezia/young-adult/no-accident/), the cheapest offer in [Lumnezia](https://praemiencheck.onedoc.ch/en/gr/lumnezia/) is Agrisano (AGRIsmart) at 206.15 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 222.00 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/gr/lumnezia/young-adult/) with a deductible of 2'000 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/gr/lumnezia/young-adult/no-accident/), monthly premiums run from 206.15 CHF (Agrisano, AGRIsmart) to 332.35 CHF (Groupe Mutuel – Philos, 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: 275.05 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Lumnezia for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 287.75 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/lumnezia/young-adult/no-accident/deductible-300/) to 182.35 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/lumnezia/young-adult/no-accident/deductible-2500/): 105.40 CHF less a month, 1'264.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'705 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Lumnezia 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 2'000 CHF and without accident cover, the cheapest premium per model is: standard model 222.00 CHF (Sanitas), family doctor / HMO 208.65 CHF (CONCORDIA), flexible model 209.45 CHF (ÖKK), telemedicine 206.15 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 210.90 CHF at Agrisano (AGRIsmart) gives 206.15 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: Lumnezia is in region 3 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/lumnezia/young-adult/no-accident/deductible-300/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/gr/lumnezia/young-adult/no-accident/deductible-300/ — replace `gr` with your canton’s two-letter code (ge, vd, zh…), `lumnezia` with your municipality, `young-adult` with `child` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-2000` with `deductible-2500` for another deductible. Markdown version: add `.md`.