Key points at a glance
This page is written for residents of Lumnezia, 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 Lumnezia, 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 (Lumnezia 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. Lumnezia has roughly 2’025 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Lumnezia, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Mundaun (5 km), Ilanz/Glion (7 km), Obersaxen Mundaun (8 km).
Lumnezia at a glance: your local context
Lumnezia, a municipality of roughly 2’025 residents in the canton of Graubünden, has its own profile when it comes to health insurance. For health insurance premiums, Lumnezia 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 2’025
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7144
- Federal municipality number (BFS): 3618
Applying for premium subsidies around Lumnezia: compare neighbouring municipalities
Living or working near Lumnezia? 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 Mundaun — 5.3 km away
- Applying for premium subsidies in Ilanz/Glion — 6.7 km away
- Applying for premium subsidies in Obersaxen Mundaun — 7.7 km away
- Applying for premium subsidies in Schluein — 8.3 km away
- Applying for premium subsidies in Sagogn — 10.1 km away
- Applying for premium subsidies in Safiental — 10.8 km away
- Applying for premium subsidies in Vals — 11.2 km away
- Applying for premium subsidies in Breil/Brigels — 11.6 km away
- Applying for premium subsidies in Falera — 12.5 km away
- Applying for premium subsidies in Laax — 14.8 km away
Health insurance premiums 2026 in Lumnezia: the real numbers
The range in Lumnezia 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 | — |
That is exactly what our comparison does: it ranks the 76 insurers active in Lumnezia from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Lumnezia →
Basic insurance in Lumnezia: choosing insurer, deductible and model
Three decisions drive your premium in Lumnezia. 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 Lumnezia 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 Lumnezia
- 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 Lumnezia →
How we work for Lumnezia
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 Lumnezia 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 Lumnezia (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Lumnezia?
In Lumnezia (postal code 7144), 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 Lumnezia have the same premiums?
Not necessarily. Lumnezia and nearby municipalities such as Mundaun (5 km), Ilanz/Glion (7 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 Lumnezia?
No. It explains the insurance and tax concepts for residents of Lumnezia (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 Lumnezia with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Lumnezia 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
This local guide for Lumnezia 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.