Key points at a glance
This page is written for residents of Bever, 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 Bever, 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 (Bever 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. Bever has roughly 616 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Bever, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Samedan (2 km), La Punt Chamues-ch (3 km), Celerina/Schlarigna (5 km).
Bever at a glance: your local context
Bever, a municipality of roughly 616 residents in the canton of Graubünden, has its own profile when it comes to health insurance. For health insurance premiums, Bever 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 616
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7502
- Federal municipality number (BFS): 3781
Applying for premium subsidies around Bever: compare neighbouring municipalities
Living or working near Bever? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Applying for premium subsidies in Samedan — 2.0 km away
- Applying for premium subsidies in La Punt Chamues-ch — 3.2 km away
- Applying for premium subsidies in Celerina/Schlarigna — 4.6 km away
- Applying for premium subsidies in Madulain — 5.3 km away
- Applying for premium subsidies in Pontresina — 5.7 km away
- Applying for premium subsidies in Saint-Moritz — 6.8 km away
- Applying for premium subsidies in Zuoz — 8.3 km away
- Applying for premium subsidies in S-chanf — 10.7 km away
- Applying for premium subsidies in Silvaplana — 11.2 km away
- Applying for premium subsidies in Sils im Engadin/Segl — 15.7 km away
Health insurance premiums 2026 in Bever: the real numbers
Concretely for Bever: the 2026 adult premium (deductible 300 CHF) is between 418 and 614 francs a month depending on the provider. Because the scope of basic insurance is identical by law, the choice of insurer alone decides up to 2’351 francs of difference a year. 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 Bever from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Bever: choosing insurer, deductible and model
Three decisions drive your premium in Bever. 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 Bever starts as low as 307 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with 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 Bever
- 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 Bever →
How we work for Bever
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 Bever 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. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Bever (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Bever?
In Bever (postal code 7502), 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 Bever have the same premiums?
Not necessarily. Bever and nearby municipalities such as Samedan (2 km), La Punt Chamues-ch (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 Bever?
No. It explains the insurance and tax concepts for residents of Bever (canton of Graubünden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Applying for premium subsidies" in Bever with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Bever follow. The comparison is free, and no offer is binding.
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.