Key points at a glance
This page explains to residents of Schluein 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 Schluein (postal code 7151), a municipality of roughly 648 residents in the canton of Graubünden, a close look pays off: supplementary insurance falls under the LCA and is a free market — each insurer sets its own benefits, premiums and conditions. What matters is comparing by real need rather than by the lowest price; and because health questions are allowed, the rule is: sign up early and in good health. Commuting between Schluein and a nearby municipality (Sagogn (2 km), Ilanz/Glion (2 km), Falera (5 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Schluein at a glance: your local context
Schluein, a municipality of roughly 648 residents in the canton of Graubünden, brings its own local context to "Comparing supplementary (LCA/VVG) insurance". Schluein 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 648
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7151
- Federal municipality number (BFS): 3582
Comparing supplementary (LCA/VVG) insurance around Schluein: compare neighbouring municipalities
Around Schluein, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Comparing supplementary (LCA/VVG) insurance in Sagogn — 2.0 km away
- Comparing supplementary (LCA/VVG) insurance in Ilanz/Glion — 2.2 km away
- Comparing supplementary (LCA/VVG) insurance in Falera — 5.3 km away
- Comparing supplementary (LCA/VVG) insurance in Flims — 6.7 km away
- Comparing supplementary (LCA/VVG) insurance in Laax — 7.0 km away
- Comparing supplementary (LCA/VVG) insurance in Lumnezia — 8.3 km away
- Comparing supplementary (LCA/VVG) insurance in Mundaun — 8.4 km away
- Comparing supplementary (LCA/VVG) insurance in Obersaxen Mundaun — 11.1 km away
- Comparing supplementary (LCA/VVG) insurance in Trin — 11.5 km away
- Comparing supplementary (LCA/VVG) insurance in Rhäzüns — 12.8 km away
Supplementary insurance (LCA) in Schluein: what matters
Unlike basic insurance, supplementary cover is a free contractual product: each insurer defines its own benefits, premiums and conditions. Two policies at the same price can cover very differently in Schluein — for hospital stays (private/semi-private, free choice of doctor), dental treatment, complementary medicine, glasses or maternity. So compare benefit by benefit against your actual needs, not just on price.
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.
Compare supplementary insurance for Schluein →
How we work for Schluein
Our approach for "Comparing supplementary (LCA/VVG) insurance" in Schluein: (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 Schluein (practical guidance, not legal advice)
Is "Comparing supplementary (LCA/VVG) insurance" also covered for the area around Schluein?
Yes. The neighbouring municipalities of Schluein, such as Sagogn (2 km), Ilanz/Glion (2 km), each have their own page on "Comparing supplementary (LCA/VVG) insurance" — 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 Schluein?
No. It explains the insurance and tax concepts for residents of Schluein (canton of Graubünden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Comparing supplementary (LCA/VVG) insurance" in Schluein with no obligation?
Of course. The starting point is your situation in Schluein; 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.