Supplementary cover by profile (senior, young, baby, family) in La Punt Chamues-ch

Supplementary cover by profile (senior, young, baby, family) in La Punt Chamues-ch (Grisons).

Key points at a glance

This page explains to residents of La Punt Chamues-ch 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 La Punt Chamues-ch (postal code 7522), a municipality of roughly 686 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 La Punt Chamues-ch and a nearby municipality (Madulain (2 km), Bever (3 km), Samedan (5 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.

La Punt Chamues-ch at a glance: your local context

La Punt Chamues-ch, a municipality of roughly 686 residents in the canton of Graubünden, brings its own local context to "Supplementary insurance by profile (seniors, young adults, baby, family)". For health insurance premiums, La Punt Chamues-ch 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 686
Canton: Graubünden
Basic-insurance premium region (FOPH/OFSP): region 2
Postal code (NPA): 7522
Federal municipality number (BFS): 3785

Supplementary insurance by profile (seniors, young adults, baby, family) around La Punt Chamues-ch: compare neighbouring municipalities

Around La Punt Chamues-ch, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:

Supplementary insurance (LCA) in La Punt Chamues-ch: what matters

With supplementary insurance, freedom of contract applies: each insurer sets its own benefits, rates and conditions. In La Punt Chamues-ch, two equally priced contracts can protect you completely differently — for example the hospital ward (private or semi-private), the dentist, complementary medicine, vision aids or maternity. The right yardstick is your real need, cover by cover.

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.

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How we work for La Punt Chamues-ch

Our approach for "Supplementary insurance by profile (seniors, young adults, baby, family)" in La Punt Chamues-ch: (1) list your contracts and deadlines in the canton of Graubünden; (2) uncover under- and over-insured risks as well as double cover; (3) compare options with concrete figures before you decide. The goal is never to pile up policies, but to align premiums, deductibles and benefits to a deliberately chosen level of risk. The comparison is free and without obligation; Assur-IA works in an educational way and replaces neither the tax authority nor regulated individual advice.

FAQ — insurance in La Punt Chamues-ch (practical guidance, not legal advice)

Is "Supplementary insurance by profile (seniors, young adults, baby, family)" also covered for the area around La Punt Chamues-ch?

Yes. The neighbouring municipalities of La Punt Chamues-ch, such as Madulain (2 km), Bever (3 km), each have their own page on "Supplementary insurance by profile (seniors, young adults, baby, family)" — 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 La Punt Chamues-ch?

No, it is for orientation in La Punt Chamues-ch. 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 "Supplementary insurance by profile (seniors, young adults, baby, family)" in La Punt Chamues-ch with no obligation?

Of course. The starting point is your situation in La Punt Chamues-ch; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.

How is the data from the form handled?

Your details are transmitted through our secure infrastructure — solely with your explicit consent. The purposes, recipients and retention periods are described in the 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.

Written and verified by the Assur-IA editorial team (Vanguard Advice SA) · Last updated: 14 May 2026

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