Key points at a glance
This page explains to residents of Avers how supplementary insurance (LCA/VVG) works — the optional top-up to basic insurance for hospital stays (private/semi-private, free choice of doctor), dental treatment, complementary medicine, glasses, maternity or prevention.
In Avers (postal code 7447), a municipality of roughly 168 residents in the canton of Graubünden, one rule stands out: unlike basic insurance, supplementary cover is a FREE market. Benefits, prices and conditions vary widely from one insurer to the next. Compare according to your actual needs — and sign up while young and healthy, because the insurer is allowed to ask health questions. Commuting between Avers and a nearby municipality (Ferrera (10 km), Surses (15 km), Sufers (16 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Avers at a glance: your local context
Avers, a municipality of roughly 168 residents in the canton of Graubünden, brings its own local context to "Comparing supplementary (LCA/VVG) insurance". For health insurance premiums, Avers 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 168
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7447
- Federal municipality number (BFS): 3681
Comparing supplementary (LCA/VVG) insurance around Avers: compare neighbouring municipalities
Living or working near Avers? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Comparing supplementary (LCA/VVG) insurance in Ferrera — 10.5 km away
- Comparing supplementary (LCA/VVG) insurance in Surses — 15.3 km away
- Comparing supplementary (LCA/VVG) insurance in Sufers — 15.5 km away
- Comparing supplementary (LCA/VVG) insurance in Andeer — 15.8 km away
- Comparing supplementary (LCA/VVG) insurance in Bregaglia — 16.5 km away
- Comparing supplementary (LCA/VVG) insurance in Muntogna da Schons — 18.4 km away
- Comparing supplementary (LCA/VVG) insurance in Zillis-Reischen — 18.7 km away
- Comparing supplementary (LCA/VVG) insurance in Sils im Engadin/Segl — 19.9 km away
- Comparing supplementary (LCA/VVG) insurance in Albula/Alvra — 21.7 km away
- Comparing supplementary (LCA/VVG) insurance in Silvaplana — 21.9 km away
Supplementary insurance (LCA) in Avers: what matters
With supplementary insurance, freedom of contract applies: each insurer sets its own benefits, rates and conditions. In Avers, two equally priced contracts can protect you completely differently — for example the hospital ward (private or semi-private), the dentist, complementary medicine, vision aids or maternity. The right yardstick is your real need, cover by cover.
Two things to know: supplementary insurance is optional and can be taken out or cancelled independently of basic insurance. And the insurer may — unlike under the LAMal — ask health questions, add exclusions or reject an application. So sign up while young and healthy, and answer the health questions truthfully (otherwise you risk losing benefits).
Check before you sign
- Your real priorities: hospital, dental, complementary medicine, glasses, maternity?
- Annual limits, waiting periods and exclusions of each benefit.
- Avoid double cover (e.g. with employer or credit-card benefits).
- How the premium develops with age, and the cancellation terms.
Compare supplementary insurance for Avers →
How we work for Avers
Our approach for "Comparing supplementary (LCA/VVG) insurance" in Avers: (1) list your contracts and deadlines in the canton of Graubünden; (2) uncover under- and over-insured risks as well as double cover; (3) compare options with concrete figures before you decide. The goal is never to pile up policies, but to align premiums, deductibles and benefits to a deliberately chosen level of risk. The comparison is free and without obligation; Assur-IA works in an educational way and replaces neither the tax authority nor regulated individual advice.
FAQ — insurance in Avers (practical guidance, not legal advice)
Is "Comparing supplementary (LCA/VVG) insurance" also covered for the area around Avers?
Yes. The neighbouring municipalities of Avers, such as Ferrera (10 km), Surses (15 km), each have their own page on "Comparing supplementary (LCA/VVG) insurance" — handy when you compare several places to live in the canton of Graubünden or a move is coming up.
Does this page replace personal advice in Avers?
No. It explains the insurance and tax concepts for residents of Avers (canton of Graubünden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Comparing supplementary (LCA/VVG) insurance" in Avers with no obligation?
Of course. The starting point is your situation in Avers; 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
This local guide for Avers is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.