# Health insurance premiums 2026 in Zernez (GR), for an adult aged 26 or over who wants a deductible of 500 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · adult (26 and over) · with accident cover · monthly premiums in CHF_

In [Zernez](https://praemiencheck.onedoc.ch/en/gr/zernez/) ([canton Graubünden](https://praemiencheck.onedoc.ch/en/gr/)), in 2026, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/gr/zernez/adult/) with a 500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/), the cheapest monthly basic insurance premium is **402.75 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 597.15 CHF with SLKK (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 412.85 | 402.75 | 377.75 | 352.65 | 327.45 | 302.45 | +3.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 430.45 | 418.85 | 389.65 | 360.45 | 331.35 | 302.15 | +5.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 430.45 | 418.85 | 389.65 | 360.45 | 331.35 | 302.15 | +5.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 430.45 | 418.85 | 389.65 | 360.45 | 331.35 | 302.15 | +5.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 434.65 | 424.05 | 397.75 | 371.35 | 344.95 | 318.55 | +2.0 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed | 437.65 | 426.05 | 398.45 | 371.15 | 343.65 | 320.15 | +3.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 437.75 | 426.15 | 396.95 | 367.75 | 338.65 | 309.45 | +5.6 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 435.65 | 426.85 | 396.00 | 369.55 | 338.65 | 326.35 | +4.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 440.45 | 428.85 | 399.65 | 370.45 | 341.35 | 312.15 | +5.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 440.45 | 428.85 | 399.65 | 370.45 | 341.35 | 312.15 | +5.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 442.75 | 431.15 | 401.95 | 372.75 | — | 314.45 | +4.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 441.95 | 431.25 | 404.45 | 377.55 | 350.75 | 323.95 | +2.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 443.15 | 431.55 | 402.35 | 373.15 | 344.05 | 314.85 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 443.25 | 431.65 | 402.45 | 373.25 | 344.15 | 314.95 | New tariff 2026 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 444.55 | 432.95 | 403.75 | 374.55 | 345.45 | 316.25 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 444.85 | 433.15 | 409.35 | 380.15 | 345.65 | 316.45 | New tariff 2026 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 445.55 | 434.85 | 407.95 | 381.15 | 354.35 | 327.55 | +4.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 445.55 | 434.85 | 407.95 | 381.15 | 354.35 | 327.55 | +4.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 447.85 | 436.25 | 407.05 | 377.85 | 348.75 | 319.55 | −1.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 447.85 | 436.25 | 407.05 | 377.85 | 348.75 | 319.55 | −1.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 447.85 | 436.25 | 407.05 | 377.85 | 348.75 | 319.55 | +0.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 450.15 | 438.45 | 414.65 | 385.55 | 350.95 | 321.85 | +7.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 450.95 | 439.35 | 410.15 | 380.95 | — | 322.65 | −0.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 453.15 | 441.55 | 412.35 | 383.15 | 354.05 | 324.85 | −1.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 455.05 | 443.45 | 414.25 | 385.05 | 355.95 | 326.75 | +8.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 456.05 | 444.45 | 415.25 | 386.05 | 356.95 | 327.75 | +5.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 458.85 | 447.25 | 421.75 | 389.25 | 361.40 | 349.80 | +4.0 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 460.95 | 449.35 | 420.15 | 391.55 | 362.95 | 338.45 | +4.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 462.45 | 450.95 | 421.95 | 392.45 | 363.45 | 334.45 | +7.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 463.85 | 452.15 | 422.95 | 393.85 | 364.65 | 335.45 | +8.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 463.85 | 452.25 | 423.05 | 393.85 | 364.75 | 335.55 | +4.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 463.85 | 452.25 | 423.05 | 393.85 | 364.75 | 335.55 | New tariff 2026 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 465.05 | 453.55 | 424.55 | 395.05 | 366.05 | 337.05 | +7.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 466.45 | 455.45 | 427.95 | 399.95 | 372.35 | 344.85 | +7.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 465.85 | 455.75 | 430.35 | 405.05 | 379.65 | 345.95 | +8.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 467.85 | 456.15 | 426.95 | 397.85 | 368.65 | 339.45 | +3.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 468.25 | 456.65 | 427.45 | 398.25 | 369.15 | 339.95 | +4.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 468.95 | 457.35 | 428.15 | 398.95 | 369.85 | 340.65 | New tariff 2026 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 469.25 | 457.55 | 428.35 | 399.25 | 370.05 | 340.85 | +8.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 469.25 | 457.55 | 428.35 | 399.25 | 370.05 | 340.85 | +6.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 469.25 | 457.55 | 428.35 | 399.25 | 370.05 | 340.85 | +6.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 469.15 | 457.55 | 428.35 | 399.15 | 370.05 | 340.85 | +0.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 469.15 | 457.55 | 428.35 | 399.15 | 370.05 | 340.85 | New tariff 2026 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 470.95 | 459.35 | 430.15 | 400.95 | 371.85 | 342.65 | +4.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 471.45 | 459.85 | 430.65 | 401.45 | — | 343.15 | +6.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 471.55 | 459.95 | 436.15 | 406.95 | 377.75 | 348.65 | +10.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 473.55 | 461.95 | 432.75 | 403.55 | 374.45 | 345.25 | +6.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 474.10 | 462.50 | 433.30 | 404.10 | 375.00 | 345.80 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 474.10 | 462.50 | 433.30 | 404.10 | 375.00 | 345.80 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 474.15 | 462.55 | 433.35 | 404.15 | 375.05 | 345.85 | New tariff 2026 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 474.25 | 463.75 | 436.75 | 410.25 | 383.25 | 356.35 | +6.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 475.55 | 463.95 | 434.75 | 405.55 | — | 347.25 | +3.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 476.35 | 464.85 | 435.85 | 406.35 | 377.35 | 348.35 | +4.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 476.65 | 465.05 | 435.85 | 406.75 | 377.55 | 348.35 | +8.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 476.35 | 465.35 | 437.85 | 409.85 | 382.25 | 354.75 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 478.85 | 467.25 | 438.05 | 408.85 | 379.75 | 350.55 | +5.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 479.15 | 467.65 | 438.65 | 409.15 | 380.15 | 351.15 | +4.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 479.75 | 468.15 | 438.95 | 409.75 | 380.65 | 351.45 | +5.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 479.75 | 468.15 | 438.95 | 409.75 | 380.65 | 351.45 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 479.85 | 468.25 | 439.05 | 409.85 | 380.75 | 351.55 | +0.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 479.95 | 468.35 | 439.15 | 409.95 | 380.85 | 351.65 | +6.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 480.85 | 469.15 | 440.05 | 410.85 | 381.65 | 352.55 | +2.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 481.15 | 469.65 | 440.65 | 411.15 | 382.15 | 353.15 | +7.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 482.25 | 470.65 | 446.85 | 417.65 | 388.45 | 359.35 | +7.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 479.15 | 472.55 | 438.35 | 409.15 | 380.05 | 350.85 | +2.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 479.15 | 472.55 | 438.35 | 409.15 | 380.05 | 350.85 | +2.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 484.65 | 473.05 | 443.85 | 414.65 | 385.55 | 356.35 | +4.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 485.05 | 473.45 | 444.25 | 415.05 | 385.95 | 356.75 | +5.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 485.15 | 473.55 | 444.35 | 415.15 | 386.05 | 356.85 | +0.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 485.45 | 473.85 | 444.65 | 415.45 | 386.35 | 357.15 | +4.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 484.95 | 478.25 | 444.15 | 414.95 | 385.75 | 356.65 | +2.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 490.65 | 484.05 | 449.85 | 420.65 | 391.55 | 362.35 | +2.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 495.65 | 484.15 | 455.15 | 425.65 | 396.65 | 367.65 | +7.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 497.65 | 486.05 | 458.65 | 430.65 | 402.65 | 374.65 | +6.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 498.35 | 486.65 | 462.85 | 433.75 | 404.55 | 375.35 | +11.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 498.85 | 487.35 | 458.35 | 428.85 | 399.85 | 370.85 | +4.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 498.55 | 487.55 | 460.05 | 432.05 | 404.45 | 376.95 | +7.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 501.05 | 489.45 | 460.25 | 431.05 | 401.95 | 372.75 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 501.05 | 489.45 | 460.25 | 431.05 | 401.95 | 372.75 | +5.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 504.25 | 492.65 | 463.45 | 434.25 | — | 375.95 | +4.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 507.05 | 495.55 | 466.55 | 437.05 | 408.05 | 379.05 | +7.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 507.05 | 495.55 | 466.55 | 437.05 | 408.05 | 379.05 | +7.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 502.25 | 495.55 | 461.35 | 432.25 | 403.05 | 373.85 | +2.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 509.65 | 498.05 | 468.85 | 439.65 | 410.55 | 381.35 | +3.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 510.15 | 498.55 | 469.35 | 440.15 | 411.05 | 381.85 | +4.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 510.95 | 499.35 | 470.15 | 440.95 | 411.85 | 382.65 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 510.95 | 499.35 | 470.15 | 440.95 | 411.85 | 382.65 | −2.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 511.75 | 500.15 | 470.95 | 441.75 | 412.65 | 383.45 | +3.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 512.85 | 501.25 | 472.05 | 442.85 | 413.75 | 384.55 | +3.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 515.85 | 504.25 | 475.05 | 445.85 | 416.75 | 387.85 | +6.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 515.95 | 504.35 | 475.15 | 445.95 | 416.85 | 387.65 | +4.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 522.75 | 511.15 | 481.95 | 452.75 | 423.65 | 394.45 | +3.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 523.85 | 512.25 | 483.05 | 453.85 | 424.75 | 395.55 | +4.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 522.75 | 512.85 | 487.75 | 462.55 | 437.55 | 412.45 | +1.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 526.95 | 515.25 | 486.05 | 456.95 | 427.75 | 398.55 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 527.65 | 516.05 | 486.85 | 457.65 | 428.55 | 399.35 | +5.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 527.85 | 516.25 | 487.05 | 457.85 | 428.75 | 399.55 | +0.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 528.25 | 516.55 | 487.45 | 458.25 | 429.05 | 399.95 | +3.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 529.35 | 517.65 | 488.55 | 459.35 | 430.15 | 401.05 | +0.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 529.15 | 517.65 | 488.65 | 459.15 | 430.15 | 401.15 | +7.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 530.45 | 518.85 | 489.65 | 460.45 | 431.35 | 402.15 | +6.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 532.75 | 521.15 | 491.95 | 462.75 | 433.65 | 404.45 | +4.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 532.95 | 521.35 | 492.15 | 462.95 | — | 404.65 | +4.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 533.85 | 522.25 | 493.05 | 463.85 | 434.75 | 405.55 | +6.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 536.15 | 524.55 | 495.35 | 466.25 | 437.05 | 407.85 | +8.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 539.25 | 527.55 | 498.45 | 469.25 | 440.05 | 410.95 | +3.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 540.75 | 529.15 | 499.95 | 470.75 | 441.65 | 412.45 | +3.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 544.75 | 533.05 | 503.95 | 474.75 | 445.55 | 416.45 | +3.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 547.35 | 536.95 | 510.65 | 484.35 | 458.15 | 431.85 | +4.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 553.45 | 542.95 | 516.35 | 489.75 | 463.35 | 436.75 | +4.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 557.95 | 546.45 | 517.45 | 487.95 | 458.95 | 429.95 | +4.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 554.05 | 547.45 | 513.25 | 484.05 | 454.95 | 425.75 | +2.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 567.15 | 555.65 | 526.65 | 497.15 | 468.15 | 439.15 | +7.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 571.35 | 564.65 | 530.55 | 501.35 | 472.15 | 443.05 | +2.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 579.75 | 568.15 | 538.95 | 509.75 | 480.65 | 451.45 | +2.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 607.75 | 596.05 | 566.95 | 537.75 | 508.55 | 479.45 | −1.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 608.75 | 597.15 | 567.95 | 538.75 | 509.65 | 480.45 | +4.1 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Zernez for an adult aged 26 or over with a deductible of 500 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/), the cheapest offer in [Zernez](https://praemiencheck.onedoc.ch/en/gr/zernez/) is Agrisano (AGRIsmart) at 402.75 CHF a month. The cheapest standard model (free choice of doctor) is vita surselva (Standard model) at 447.25 CHF a month.

### How much does health insurance cost in Zernez in 2026 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/gr/zernez/adult/) with a deductible of 500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/), monthly premiums run from 402.75 CHF (Agrisano, AGRIsmart) to 597.15 CHF (SLKK, Standard model): 117 offers from 24 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 390.15 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Zernez for an adult aged 26 or over with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 412.85 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/deductible-300/) to 302.45 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/deductible-2500/): 110.40 CHF less a month, 1'324.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'772 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Zernez for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 500 CHF and with accident cover, the cheapest premium per model is: standard model 447.25 CHF (vita surselva), family doctor / HMO 418.85 CHF (ÖKK), flexible model 418.85 CHF (ÖKK), telemedicine 402.75 CHF (Agrisano).

### Why is the FOPH-approved premium higher than the price shown?

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 407.90 CHF at Agrisano (AGRIsmart) gives 402.75 CHF after redistribution.

### Until when can I change health insurer for 2026?

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.

## 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: Zernez 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 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

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

## Related pages

- Health insurance premiums 2026 in Zernez (GR): every situation: https://praemiencheck.onedoc.ch/en/gr/zernez/
- Premiums 2026 in Zernez (GR), adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/gr/zernez/adult/
- Premiums 2026 in Zernez (GR), adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/gr/zernez/child/
- Young adult: https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/gr/zernez/adult/no-accident/deductible-500/
- Deductible Premiums 2026 in Zernez (GR), adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/deductible-300/
- Deductible Premiums 2026 in Zernez (GR), adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/deductible-1000/
- Deductible Premiums 2026 in Zernez (GR), adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/deductible-1500/
- Deductible Premiums 2026 in Zernez (GR), adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/deductible-2000/
- Deductible Premiums 2026 in Zernez (GR), adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/gr/zernez/adult/with-accident/deductible-300/ — replace `gr` with your canton’s two-letter code (ge, vd, zh…), `zernez` with your municipality, `adult` with `child` or `young-adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-500` with `deductible-2500` for another deductible. Markdown version: add `.md`.