Key points at a glance
Living in Klosters (canton of Graubünden) and want to stay on top of your health insurance? Here are the essentials: compulsory basic insurance (LAMal) covers exactly the same benefits at every insurer, so in Klosters you don't save by taking less protection — you save through the right insurer, deductible and model.
What sets your premium is your FOPH premium region (Klosters 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. Klosters has roughly 4’473 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Klosters, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Conters im Prättigau (8 km), Davos (9 km), Küblis (9 km).
Klosters at a glance: your local context
Klosters, a municipality of roughly 4’473 residents in the canton of Graubünden, has its own profile when it comes to health insurance. Klosters 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 4’473
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7250
- Federal municipality number (BFS): 3871
Health insurance and supplementary cover around Klosters: compare neighbouring municipalities
Living or working near Klosters? 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 Conters im Prättigau — 7.8 km away
- Health insurance and supplementary cover in Davos — 8.9 km away
- Health insurance and supplementary cover in Küblis — 9.0 km away
- Health insurance and supplementary cover in Luzein — 9.7 km away
- Health insurance and supplementary cover in Fideris — 10.9 km away
- Health insurance and supplementary cover in Jenaz — 13.2 km away
- Health insurance and supplementary cover in Furna — 17.4 km away
- Health insurance and supplementary cover in Schiers — 17.8 km away
- Health insurance and supplementary cover in Arosa — 18.9 km away
- Health insurance and supplementary cover in Grüsch — 21.1 km away
Health insurance premiums 2026 in Klosters: the real numbers
In Klosters, an adult with a 300 CHF deductible pays between 418 and 614 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 2’351 francs 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 | — |
Our comparison tool does this work for you: the 76 insurers available for Klosters are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Klosters →
Basic insurance in Klosters: choosing insurer, deductible and model
Three decisions drive your premium in Klosters. 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 Klosters 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.
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 Klosters
- 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 Klosters →
How we work for Klosters
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 Klosters 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 Klosters (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Klosters?
In Klosters (postal code 7250), 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 Klosters have the same premiums?
Not necessarily. Klosters and nearby municipalities such as Conters im Prättigau (8 km), Davos (9 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 Klosters?
No, it is for orientation in Klosters. 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 Klosters with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Klosters follow. The comparison is free, and no offer is binding.
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Important notes
This local guide for Klosters 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.