Key points at a glance
This page is written for residents of Flims, 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 Flims, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
Your premium depends on your FOPH/OFSP premium region (region 2 of the canton of Graubünden), never on your health: for basic insurance, every insurer must accept you. Flims has roughly 2’834 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Flims, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Laax (4 km), Trin (5 km), Sagogn (5 km).
Flims at a glance: your local context
Flims, a municipality of roughly 2’834 residents in the canton of Graubünden, has its own profile when it comes to health insurance. Flims lies in premium region 2 of the canton of Graubünden (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 2’834
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7017
- Federal municipality number (BFS): 3732
Applying for premium subsidies around Flims: compare neighbouring municipalities
Living or working near Flims? 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 Laax — 4.4 km away
- Applying for premium subsidies in Trin — 4.8 km away
- Applying for premium subsidies in Sagogn — 5.0 km away
- Applying for premium subsidies in Falera — 5.7 km away
- Applying for premium subsidies in Schluein — 6.7 km away
- Applying for premium subsidies in Ilanz/Glion — 8.7 km away
- Applying for premium subsidies in Bonaduz — 9.1 km away
- Applying for premium subsidies in Tamins — 9.4 km away
- Applying for premium subsidies in Rhäzüns — 9.6 km away
- Applying for premium subsidies in Rothenbrunnen — 12.6 km away
Health insurance premiums 2026 in Flims: the real numbers
The range in Flims 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 | — |
Our comparison tool does this work for you: the 76 insurers available for Flims are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Flims: choosing insurer, deductible and model
You steer your premium in Flims 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 Flims 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.
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 Flims
- 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 Flims →
How we work for Flims
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 Flims 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 Flims (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Flims?
In Flims (postal code 7017), 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 Flims have the same premiums?
Not necessarily. Flims and nearby municipalities such as Laax (4 km), Trin (5 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 Flims?
No, it is for orientation in Flims. 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 "Applying for premium subsidies" in Flims with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Flims follow. The comparison is free, and no offer is binding.
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Important notes
This local guide for Flims 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.