Key points at a glance
This page is written for residents of Bergün Filisur, 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 Bergün Filisur, 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 — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Bergün Filisur has roughly 905 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Bergün Filisur, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Schmitten (5 km), Surses (11 km), Albula/Alvra (11 km).
Bergün Filisur at a glance: your local context
Bergün Filisur, a municipality of roughly 905 residents in the canton of Graubünden, has its own profile when it comes to health insurance. In Bergün Filisur, the official FOPH premium rates for the canton of Graubünden apply.
- Population: roughly 905
- Canton: Graubünden
- Federal municipality number (BFS): 3544
Health insurance and supplementary cover around Bergün Filisur: compare neighbouring municipalities
Living or working near Bergün Filisur? 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 Schmitten — 5.3 km away
- Health insurance and supplementary cover in Surses — 10.8 km away
- Health insurance and supplementary cover in Albula/Alvra — 11.3 km away
- Health insurance and supplementary cover in Lantsch/Lenz — 12.1 km away
- Health insurance and supplementary cover in Vaz/Obervaz — 14.7 km away
- Health insurance and supplementary cover in Arosa — 14.9 km away
- Health insurance and supplementary cover in Bever — 16.9 km away
- Health insurance and supplementary cover in Samedan — 17.6 km away
- Health insurance and supplementary cover in La Punt Chamues-ch — 17.8 km away
- Health insurance and supplementary cover in Madulain — 18.1 km away
Health insurance premiums 2026 in Bergün Filisur: the real numbers
In Bergün Filisur, an adult with a 300 CHF deductible pays between 454 and 660 francs a month for basic insurance depending on the insurer — even though the benefits are, by law, exactly the same everywhere. For identical cover, the gap between the cheapest and the most expensive insurer reaches up to 2’478 francs a year. The lowest adult premium there comes with the "Telmed (telemedicine)" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 454 – 660 CHF | from 325 CHF |
| Young adults (19–25) | 341 – 541 CHF | from 213 CHF |
| Children (0–18) | 34 – 146 CHF | — |
That is exactly what our comparison does: it ranks the 76 insurers active in Bergün Filisur from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Bergün Filisur →
Basic insurance in Bergün Filisur: choosing insurer, deductible and model
Three decisions drive your premium in Bergün Filisur. First, the insurer: with legally identical benefits, it is the biggest lever for saving. Second, the deductible (300 to 2’500 CHF a year): if you rarely see a doctor and hold a reserve, the high deductible is usually the better deal; with regular treatment, choose the low one. For comparison: with a 2’500 CHF deductible, the adult premium in Bergün Filisur starts as low as 325 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with free choice of doctor.
Mind the deadlines: for a switch on 1 January, the cancellation must have reached the old insurer by 30 November — what counts is receipt, not the postmark. And check the premium subsidy in the canton of Graubünden: the entitlement goes surprisingly often unclaimed.
Checklist for Bergün Filisur
- 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 Bergün Filisur →
How we work for Bergün Filisur
Our method has three steps: (1) we start from your real profile (age, deductible, model, accident cover); (2) we rank the insurers in your FOPH premium region for 2026 from cheapest to most expensive; (3) we check your entitlement to premium subsidies in the canton of Graubünden. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Bergün Filisur this difference is measurable: 454–660 francs a month for adults, i.e. up to 2’478 francs a year across 76 insurers — for identical cover. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Bergün Filisur (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Bergün Filisur?
In Bergün Filisur, the 2026 adult basic-insurance premium ranges from 454 to 660 francs a month depending on the insurer (deductible 300), from 341 francs for young adults and from 34 francs for children. For identical cover, the difference reaches up to 2’478 francs a year. Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Bergün Filisur have the same premiums?
Not necessarily. Bergün Filisur and nearby municipalities such as Schmitten (5 km), Surses (11 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 Bergün Filisur?
No, it is for orientation in Bergün Filisur. 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 Bergün Filisur with no obligation?
Of course. The starting point is your situation in Bergün Filisur; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
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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.