Key points at a glance
Living in Scharans (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 Scharans you don't save by taking less protection — you save through the right insurer, deductible and model.
Your premium depends on your FOPH/OFSP premium region (region 2 of the canton of Graubünden), never on your health: for basic insurance, every insurer must accept you. Scharans has roughly 789 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Scharans, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Fürstenau (2 km), Sils im Domleschg (2 km), Cazis (3 km).
Scharans at a glance: your local context
Scharans, a municipality of roughly 789 residents in the canton of Graubünden, has its own profile when it comes to health insurance. Scharans 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 789
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7412
- Federal municipality number (BFS): 3638
Health insurance and supplementary cover around Scharans: compare neighbouring municipalities
Living or working near Scharans? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Health insurance and supplementary cover in Fürstenau — 2.0 km away
- Health insurance and supplementary cover in Sils im Domleschg — 2.1 km away
- Health insurance and supplementary cover in Cazis — 3.3 km away
- Health insurance and supplementary cover in Masein — 3.6 km away
- Health insurance and supplementary cover in Thusis — 3.8 km away
- Health insurance and supplementary cover in Domleschg — 4.7 km away
- Health insurance and supplementary cover in Flerden — 4.9 km away
- Health insurance and supplementary cover in Rongellen — 5.1 km away
- Health insurance and supplementary cover in Urmein — 5.6 km away
- Health insurance and supplementary cover in Rothenbrunnen — 6.3 km away
Health insurance premiums 2026 in Scharans: the real numbers
In Scharans, 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 | — |
Our comparison tool does this work for you: the 76 insurers available for Scharans are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Scharans →
Basic insurance in Scharans: choosing insurer, deductible and model
You steer your premium in Scharans 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 Scharans 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 Scharans
- 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 Scharans →
How we work for Scharans
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 Scharans 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 Scharans (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Scharans?
In Scharans (postal code 7412), 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 Scharans have the same premiums?
Not necessarily. Scharans and nearby municipalities such as Fürstenau (2 km), Sils im Domleschg (2 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 Scharans?
No. It explains the insurance and tax concepts for residents of Scharans (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 Scharans with no obligation?
Of course. The starting point is your situation in Scharans; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
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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.