Key points at a glance
This page is written for residents of Andeer, in the canton of Graubünden, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Andeer, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
What sets your premium is your FOPH premium region (Andeer belongs to region 2 in the canton of Graubünden) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Andeer has roughly 908 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Andeer, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Muntogna da Schons (3 km), Zillis-Reischen (3 km), Sufers (6 km).
Andeer at a glance: your local context
Andeer, a municipality of roughly 908 residents in the canton of Graubünden, has its own profile when it comes to health insurance. For health insurance premiums, Andeer belongs to FOPH premium region 2 of the canton of Graubünden. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 908
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7440
- Federal municipality number (BFS): 3701
Health insurance and supplementary cover around Andeer: compare neighbouring municipalities
Living or working near Andeer? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Health insurance and supplementary cover in Muntogna da Schons — 2.9 km away
- Health insurance and supplementary cover in Zillis-Reischen — 3.4 km away
- Health insurance and supplementary cover in Sufers — 5.9 km away
- Health insurance and supplementary cover in Ferrera — 5.9 km away
- Health insurance and supplementary cover in Rongellen — 8.0 km away
- Health insurance and supplementary cover in Urmein — 9.4 km away
- Health insurance and supplementary cover in Tschappina — 9.5 km away
- Health insurance and supplementary cover in Thusis — 9.5 km away
- Health insurance and supplementary cover in Masein — 10.5 km away
- Health insurance and supplementary cover in Sils im Domleschg — 10.9 km away
Health insurance premiums 2026 in Andeer: the real numbers
The range in Andeer is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 418 to 614 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’351 francs a year, without giving anything up. The lowest adult premium there comes with the "alternative model" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 418 – 614 CHF | from 307 CHF |
| Young adults (19–25) | 305 – 503 CHF | from 195 CHF |
| Children (0–18) | 31 – 143 CHF | — |
That is exactly what our comparison does: it ranks the 76 insurers active in Andeer from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Andeer: choosing insurer, deductible and model
You steer your premium in Andeer with three levers. The insurer first — it costs nothing in benefits and brings the most. Then the deductible between 300 and 2’500 CHF: high deductible for healthy people with a financial cushion, low deductible for ongoing treatment or planned procedures. For comparison: with a 2’500 CHF deductible, the adult premium in Andeer starts as low as 307 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of Graubünden — many households leave this reduction unused.
Checklist for Andeer
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of Graubünden.
Free premium comparison for Andeer →
How we work for Andeer
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of Graubünden. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Andeer this difference is measurable: 418–614 francs a month for adults, i.e. up to 2’351 francs a year across 76 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Andeer (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Andeer?
In Andeer (postal code 7440), the 2026 adult basic-insurance premium ranges from 418 to 614 francs a month depending on the insurer (deductible 300), from 305 francs for young adults and from 31 francs for children. For identical cover, the difference reaches up to 2’351 francs a year (FOPH premium region 2 of the canton of Graubünden). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Andeer have the same premiums?
Not necessarily. Andeer and nearby municipalities such as Muntogna da Schons (3 km), Zillis-Reischen (3 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Andeer?
No, it is for orientation in Andeer. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Graubünden.
Can I compare "Health insurance and supplementary cover" in Andeer with no obligation?
Of course. The starting point is your situation in Andeer; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
All information is provided without guarantee and may be affected by changes to the law or rates. No figure on this page creates a contractual entitlement: always check the definitive values with your insurer, the FOPH or your canton before you decide.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.