Key points at a glance
Living in Saint-Moritz (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 Saint-Moritz 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 (Saint-Moritz 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. Saint-Moritz has roughly 4’994 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Saint-Moritz, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Celerina/Schlarigna (2 km), Silvaplana (4 km), Pontresina (5 km).
Saint-Moritz at a glance: your local context
Saint-Moritz, a municipality of roughly 4’994 residents in the canton of Graubünden, has its own profile when it comes to health insurance. Saint-Moritz 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 4’994
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7500
- Federal municipality number (BFS): 3787
Applying for premium subsidies around Saint-Moritz: compare neighbouring municipalities
Living or working near Saint-Moritz? 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 Celerina/Schlarigna — 2.3 km away
- Applying for premium subsidies in Silvaplana — 4.5 km away
- Applying for premium subsidies in Pontresina — 4.7 km away
- Applying for premium subsidies in Samedan — 4.8 km away
- Applying for premium subsidies in Bever — 6.8 km away
- Applying for premium subsidies in Sils im Engadin/Segl — 9.0 km away
- Applying for premium subsidies in La Punt Chamues-ch — 9.8 km away
- Applying for premium subsidies in Madulain — 12.0 km away
- Applying for premium subsidies in Zuoz — 14.9 km away
- Applying for premium subsidies in S-chanf — 17.3 km away
Health insurance premiums 2026 in Saint-Moritz: the real numbers
In Saint-Moritz, 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 | — |
That is exactly what our comparison does: it ranks the 76 insurers active in Saint-Moritz from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Saint-Moritz →
Basic insurance in Saint-Moritz: choosing insurer, deductible and model
Three decisions drive your premium in Saint-Moritz. 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 Saint-Moritz 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.
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 Saint-Moritz
- 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 Saint-Moritz →
How we work for Saint-Moritz
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 Saint-Moritz 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 Saint-Moritz (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Saint-Moritz?
In Saint-Moritz (postal code 7500), 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 Saint-Moritz have the same premiums?
Not necessarily. Saint-Moritz and nearby municipalities such as Celerina/Schlarigna (2 km), Silvaplana (4 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 Saint-Moritz?
No, it is for orientation in Saint-Moritz. 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 "Applying for premium subsidies" in Saint-Moritz with no obligation?
Of course. The starting point is your situation in Saint-Moritz; 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?
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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.