Key points at a glance
Living in S-chanf (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 S-chanf 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 (S-chanf 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. S-chanf has roughly 690 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for S-chanf, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Zuoz (2 km), Madulain (5 km), La Punt Chamues-ch (8 km).
S-chanf at a glance: your local context
S-chanf, a municipality of roughly 690 residents in the canton of Graubünden, has its own profile when it comes to health insurance. For health insurance premiums, S-chanf 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 690
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7525
- Federal municipality number (BFS): 3788
Health insurance and supplementary cover around S-chanf: compare neighbouring municipalities
Around S-chanf, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Health insurance and supplementary cover in Zuoz — 2.4 km away
- Health insurance and supplementary cover in Madulain — 5.3 km away
- Health insurance and supplementary cover in La Punt Chamues-ch — 7.6 km away
- Health insurance and supplementary cover in Bever — 10.7 km away
- Health insurance and supplementary cover in Samedan — 12.5 km away
- Health insurance and supplementary cover in Zernez — 12.8 km away
- Health insurance and supplementary cover in Pontresina — 14.5 km away
- Health insurance and supplementary cover in Celerina/Schlarigna — 15.0 km away
- Health insurance and supplementary cover in Saint-Moritz — 17.3 km away
- Health insurance and supplementary cover in Bergün Filisur — 20.6 km away
Health insurance premiums 2026 in S-chanf: the real numbers
The range in S-chanf 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 S-chanf are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for S-chanf →
Basic insurance in S-chanf: choosing insurer, deductible and model
You steer your premium in S-chanf 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 S-chanf 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.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of Graubünden — many households leave this reduction unused.
Checklist for S-chanf
- 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 S-chanf →
How we work for S-chanf
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 S-chanf 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 S-chanf (practical guidance, not legal advice)
How much is the 2026 health insurance premium in S-chanf?
In S-chanf (postal code 7525), 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 S-chanf have the same premiums?
Not necessarily. S-chanf and nearby municipalities such as Zuoz (2 km), Madulain (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 S-chanf?
No. It explains the insurance and tax concepts for residents of S-chanf (canton of Graubünden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in S-chanf with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for S-chanf follow. The comparison is free, and no offer is binding.
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Important notes
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.