# Health insurance premiums 2027 in St. Moritz (GR), for a young adult aged 19 to 25 who wants a deductible of 300 CHF without accident cover

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

In [St. Moritz](https://praemiencheck.onedoc.ch/en/gr/st-moritz/) ([canton Graubünden](https://praemiencheck.onedoc.ch/en/gr/)), in 2027, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/gr/st-moritz/young-adult/) with a 300 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/gr/st-moritz/young-adult/no-accident/), the cheapest monthly basic insurance premium is **295.55 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 460.05 CHF with SLKK (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (300 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 295.55 | 285.95 | 262.05 | 237.95 | 214.05 | 190.05 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 311.15 | 300.30 | 273.15 | 245.95 | 218.85 | 191.70 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 311.15 | 300.30 | 273.15 | 245.95 | 218.85 | 191.70 | +3.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 312.05 | 301.35 | 274.35 | 246.95 | 219.95 | 192.95 | +1.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 312.85 | 302.65 | 277.45 | 252.05 | 226.65 | 201.35 | +4.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 313.35 | 302.55 | 275.35 | 248.25 | 221.15 | 193.95 | +1.4 % |
| [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) | 313.85 | 303.15 | 276.15 | 248.75 | 221.75 | 194.75 | +1.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 314.45 | 303.60 | 276.45 | 249.25 | 222.15 | 195.00 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 314.45 | 303.60 | 276.45 | 249.25 | 222.15 | 195.00 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 314.45 | 303.60 | 276.45 | 249.25 | 222.15 | 195.00 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 314.45 | 303.60 | 276.45 | 249.25 | 222.15 | 195.00 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 314.45 | 303.60 | 276.45 | 249.25 | 222.15 | 195.00 | +3.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 314.65 | 304.35 | 278.95 | 253.45 | 227.95 | 202.45 | +3.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 315.45 | 304.75 | 277.55 | 250.35 | 223.35 | 196.15 | +5.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 315.45 | 304.75 | 277.55 | 250.35 | 223.35 | 196.15 | +5.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 315.45 | 304.75 | 277.55 | 250.35 | 223.35 | 196.15 | +5.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 315.65 | 304.95 | 277.95 | 250.55 | 223.55 | 196.65 | +1.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 316.35 | 305.35 | 277.75 | 250.15 | 222.65 | 195.05 | +1.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 318.15 | 307.15 | 279.55 | 251.95 | 224.45 | 196.85 | +2.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 318.45 | 308.45 | 283.55 | 258.55 | 233.65 | 208.75 | +5.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 318.45 | 308.45 | 283.55 | 258.55 | 233.65 | 208.75 | +5.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 320.75 | 310.05 | 282.85 | 255.65 | 228.65 | 201.45 | +5.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 324.30 | 313.45 | 286.35 | 259.15 | 232.00 | 204.85 | +3.6 % |
| [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) | 324.65 | 313.95 | 287.05 | 259.55 | 232.65 | 205.65 | +1.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 327.55 | 316.55 | 289.05 | 261.45 | 233.95 | 206.35 | +1.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 327.75 | 316.95 | 293.55 | 266.45 | 235.55 | 208.45 | +3.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 331.55 | 320.55 | 292.75 | 265.05 | 237.45 | 209.65 | +0.6 % |
| [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 | +1.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 337.35 | 327.95 | 304.35 | 280.85 | 257.15 | 228.05 | +5.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 337.65 | 326.85 | 299.55 | 272.35 | 245.25 | 217.95 | +1.4 % |
| [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 R1 | 337.65 | 326.85 | 299.65 | 272.55 | 245.45 | 218.35 | +1.6 % |
| [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 | +1.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 337.95 | 327.05 | 299.95 | 272.85 | 245.65 | 218.55 | +7.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 339.45 | 328.65 | 301.55 | 274.35 | 247.35 | 220.15 | +7.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 340.85 | 333.75 | 306.65 | 279.45 | 248.65 | 221.55 | +2.2 % |
| [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 | +1.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 341.85 | 331.05 | 303.85 | 276.75 | 249.65 | 222.45 | +7.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 341.85 | 331.05 | 303.85 | 276.75 | 249.65 | 222.45 | +7.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 341.85 | 331.05 | 303.85 | 276.75 | 249.65 | 222.45 | +7.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 342.35 | 331.25 | 303.65 | 275.85 | 248.15 | 220.45 | +3.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 343.85 | 333.05 | 305.85 | 278.55 | 251.45 | 224.25 | +1.4 % |
| [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) | 344.55 | 333.75 | 306.65 | 279.45 | — | 225.25 | +3.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 344.85 | 338.65 | 306.65 | 279.45 | 252.15 | 224.95 | +3.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 344.85 | 338.65 | 306.65 | 279.45 | 252.15 | 224.95 | +3.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 345.15 | 334.35 | 307.25 | 280.15 | 253.05 | 225.85 | +5.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 345.55 | 334.75 | 307.55 | 280.45 | 253.35 | 226.25 | +3.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 346.55 | 335.75 | 308.65 | 281.45 | 254.35 | 227.25 | +5.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 347.05 | 336.05 | 308.25 | 280.55 | 252.85 | 225.15 | +0.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 347.45 | 336.65 | 309.45 | 282.35 | — | 228.15 | +2.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 349.35 | 338.55 | 311.35 | 284.25 | 257.15 | 232.75 | +6.6 % |
| [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 | 349.45 | 338.65 | 311.45 | 284.35 | 257.25 | 230.15 | +0.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 349.75 | 338.85 | 311.75 | 284.65 | 257.45 | 230.45 | +7.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 350.25 | 343.05 | 319.65 | 292.55 | 272.95 | 245.75 | +1.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 350.45 | 342.05 | 321.15 | 300.25 | 278.85 | 257.95 | +4.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 351.05 | 340.25 | 313.05 | 285.95 | 258.85 | 231.75 | +5.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 351.25 | 340.45 | 313.35 | 286.15 | 259.15 | 234.75 | +6.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 352.65 | 346.45 | 314.45 | 287.25 | 259.95 | 232.75 | +3.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 353.95 | 346.85 | 323.45 | 296.35 | 276.65 | 249.55 | 0.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 354.55 | 343.75 | 316.65 | 289.45 | 262.35 | 235.25 | +2.9 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 355.45 | 345.75 | 324.25 | 299.65 | 276.25 | 246.75 | +3.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 356.55 | 350.35 | 318.35 | 291.15 | 263.85 | 236.65 | +3.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 357.25 | 346.55 | 319.65 | 292.15 | 265.15 | 238.25 | +1.0 % |
| [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 | +0.3 % |
| [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 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 362.05 | 351.25 | 324.05 | 296.95 | — | 242.75 | +2.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 364.95 | 354.15 | 326.95 | 299.85 | — | 245.65 | +2.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 365.15 | 358.05 | 330.95 | 303.75 | 276.65 | 249.55 | +2.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 366.15 | 355.45 | 328.45 | 301.05 | 274.05 | 247.05 | +4.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 366.35 | 360.05 | 328.15 | 300.85 | 273.65 | 246.35 | +3.5 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 367.85 | 357.05 | 330.15 | 302.75 | 280.45 | 259.05 | +4.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 368.25 | 357.35 | 330.05 | 302.85 | 275.55 | 248.25 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 368.25 | 357.35 | 330.05 | 302.85 | 275.55 | 248.25 | +5.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 368.85 | 358.05 | 330.95 | 303.75 | 276.65 | 249.55 | 0.0 % |
| [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) | 370.45 | 359.75 | 332.75 | 305.35 | 278.35 | 251.35 | +7.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 370.65 | 359.65 | 332.05 | 304.55 | 277.05 | 249.45 | +1.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 371.85 | 360.95 | 333.65 | 306.45 | 279.15 | 251.85 | +3.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 374.15 | 363.25 | 336.05 | 308.85 | 281.65 | 254.45 | +1.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 374.75 | 364.05 | 337.05 | 309.65 | 282.65 | 255.65 | +7.1 % |
| [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) | 374.75 | 364.05 | 337.15 | 309.65 | 282.75 | 255.75 | +4.5 % |
| [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 | 376.55 | 365.75 | 338.65 | 311.45 | — | 257.25 | +0.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 377.05 | 366.15 | 338.85 | 311.55 | 284.35 | 257.05 | +3.6 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 378.45 | 368.25 | 345.95 | 320.25 | 295.95 | 265.35 | +5.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 379.15 | 368.45 | 341.45 | 314.05 | 287.05 | 260.05 | +4.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 380.35 | 374.15 | 342.15 | 314.95 | 287.65 | 260.45 | +3.5 % |
| [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 | +0.7 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 381.25 | 372.05 | 349.25 | 326.45 | 303.65 | 280.95 | +4.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 381.95 | 371.25 | 344.05 | 316.85 | 289.85 | 262.65 | 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) | 383.25 | 372.55 | 345.65 | 318.15 | 291.25 | 264.25 | +7.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 385.85 | 379.55 | 347.65 | 320.35 | 293.15 | 265.85 | +3.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 386.35 | 375.55 | 348.45 | 321.25 | 294.25 | 267.05 | +2.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 386.35 | 375.55 | 348.45 | 321.25 | 294.25 | 267.05 | +2.0 % |
| [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) | 387.55 | 376.85 | 349.95 | 322.45 | 295.55 | 268.55 | +7.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 388.25 | 377.35 | 350.15 | 322.85 | 295.55 | 268.35 | +3.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 388.45 | 377.65 | 350.45 | 323.45 | 296.25 | 269.05 | +5.5 % |
| [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 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 389.05 | 378.25 | 351.15 | 323.95 | 296.85 | 269.75 | +7.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 390.05 | 379.15 | 351.85 | 324.55 | 297.35 | 270.05 | +3.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 390.65 | 379.85 | 352.65 | 325.55 | 298.45 | 271.35 | +2.0 % |
| [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) | 392.15 | 381.45 | 354.45 | 327.05 | 300.05 | 273.05 | +4.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 392.85 | 382.90 | 353.10 | 325.25 | 297.45 | 265.60 | +5.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 393.05 | 382.15 | 354.95 | 327.65 | 300.35 | 273.15 | +5.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 394.95 | 385.55 | 361.95 | 338.35 | 314.85 | 291.25 | −1.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 397.25 | 386.25 | 359.05 | 331.75 | 304.55 | 277.25 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 397.25 | 386.25 | 359.05 | 331.75 | 304.55 | 277.25 | +5.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 403.45 | 392.65 | 365.55 | 338.35 | 311.35 | 284.15 | +2.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 403.45 | 392.65 | 365.55 | 338.35 | 311.35 | 284.15 | +2.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 405.45 | 394.55 | 367.35 | 340.05 | 312.85 | 285.55 | +5.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 405.65 | 394.85 | 367.75 | 340.55 | — | 286.35 | +2.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 409.65 | 398.75 | 371.45 | 344.25 | 316.95 | 289.65 | +5.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 413.55 | 403.75 | 379.05 | 354.35 | 329.65 | 304.95 | −1.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 413.70 | 403.70 | 376.05 | 346.80 | 317.45 | 288.20 | +5.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 418.15 | 408.25 | 383.25 | 358.35 | 333.45 | 308.45 | −1.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 424.05 | 413.35 | 386.35 | 358.95 | 331.95 | 304.95 | +7.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 424.95 | 414.15 | 387.05 | 359.85 | 332.75 | 305.65 | +2.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 428.55 | 417.65 | 390.35 | 363.15 | 335.85 | 308.55 | +3.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 428.95 | 418.25 | 391.35 | 363.85 | 336.95 | 309.95 | +4.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 460.05 | 449.15 | 421.65 | 394.25 | 366.85 | 339.45 | −1.8 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in St. Moritz for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/gr/st-moritz/young-adult/no-accident/), the cheapest offer in [St. Moritz](https://praemiencheck.onedoc.ch/en/gr/st-moritz/) is Agrisano (AGRIsmart) at 295.55 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 324.30 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/gr/st-moritz/young-adult/) with a deductible of 300 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/gr/st-moritz/young-adult/no-accident/), monthly premiums run from 295.55 CHF (Agrisano, AGRIsmart) to 460.05 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 St. Moritz for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 295.55 CHF a month with the 300 CHF deductible to 190.05 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/st-moritz/young-adult/no-accident/deductible-2500/): 105.50 CHF less a month, 1'266.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'707 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in St. Moritz 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 300 CHF and without accident cover, the cheapest premium per model is: standard model 324.30 CHF (Sanitas), family doctor / HMO 311.15 CHF (Sanitas), flexible model 314.45 CHF (Sanitas), telemedicine 295.55 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 300.30 CHF at Agrisano (AGRIsmart) gives 295.55 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: St. Moritz 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/st-moritz/young-adult/no-accident/deductible-300/

## Related pages

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

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