Key points at a glance
This page explains to residents of Klosters 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 Klosters (postal code 7250), a municipality of roughly 4’473 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 Klosters and a nearby municipality (Conters im Prättigau (8 km), Davos (9 km), Küblis (9 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Klosters at a glance: your local context
Klosters, a municipality of roughly 4’473 residents in the canton of Graubünden, brings its own local context to "Maternity and birth (supplementary 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
Maternity and birth (supplementary insurance) 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:
- Maternity and birth (supplementary insurance) in Conters im Prättigau — 7.8 km away
- Maternity and birth (supplementary insurance) in Davos — 8.9 km away
- Maternity and birth (supplementary insurance) in Küblis — 9.0 km away
- Maternity and birth (supplementary insurance) in Luzein — 9.7 km away
- Maternity and birth (supplementary insurance) in Fideris — 10.9 km away
- Maternity and birth (supplementary insurance) in Jenaz — 13.2 km away
- Maternity and birth (supplementary insurance) in Furna — 17.4 km away
- Maternity and birth (supplementary insurance) in Schiers — 17.8 km away
- Maternity and birth (supplementary insurance) in Arosa — 18.9 km away
- Maternity and birth (supplementary insurance) in Grüsch — 21.1 km away
Supplementary insurance (LCA) in Klosters: what matters
Unlike basic insurance, supplementary cover is a free contractual product: each insurer defines its own benefits, premiums and conditions. Two policies at the same price can cover very differently in Klosters — for hospital stays (private/semi-private, free choice of doctor), dental treatment, complementary medicine, glasses or maternity. So compare benefit by benefit against your actual needs, not just on price.
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 Klosters →
How we work for Klosters
For "Maternity and birth (supplementary insurance)" in Klosters we work in three stages: an inventory of your contracts and dates (canton of Graubünden); an analysis of cover gaps, over-insurance and overlaps; then costed scenarios as a basis for your decision. It is not about more insurance, but about the right balance of premium, deductible and benefit. All free and without obligation — as an educational complement, not a substitute for individual professional advice.
FAQ — insurance in Klosters (practical guidance, not legal advice)
Is "Maternity and birth (supplementary insurance)" also covered for the area around Klosters?
Yes. The neighbouring municipalities of Klosters, such as Conters im Prättigau (8 km), Davos (9 km), each have their own page on "Maternity and birth (supplementary 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 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 "Maternity and birth (supplementary insurance)" 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.
How is the data from the form handled?
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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.