Key points at a glance
Living in Sils im Engadin/Segl (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 Sils im Engadin/Segl 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 (Sils im Engadin/Segl 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. Sils im Engadin/Segl has roughly 700 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Sils im Engadin/Segl, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Silvaplana (5 km), Saint-Moritz (9 km), Celerina/Schlarigna (11 km).
Sils im Engadin/Segl at a glance: your local context
Sils im Engadin/Segl, a municipality of roughly 700 residents in the canton of Graubünden, has its own profile when it comes to health insurance. For health insurance premiums, Sils im Engadin/Segl 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 700
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7514
- Federal municipality number (BFS): 3789
Health insurance and supplementary cover around Sils im Engadin/Segl: compare neighbouring municipalities
Around Sils im Engadin/Segl, 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 Silvaplana — 4.5 km away
- Health insurance and supplementary cover in Saint-Moritz — 9.0 km away
- Health insurance and supplementary cover in Celerina/Schlarigna — 11.3 km away
- Health insurance and supplementary cover in Pontresina — 12.6 km away
- Health insurance and supplementary cover in Samedan — 13.8 km away
- Health insurance and supplementary cover in Bever — 15.7 km away
- Health insurance and supplementary cover in Bregaglia — 17.9 km away
- Health insurance and supplementary cover in La Punt Chamues-ch — 18.8 km away
- Health insurance and supplementary cover in Avers — 19.9 km away
- Health insurance and supplementary cover in Madulain — 21.0 km away
Health insurance premiums 2026 in Sils im Engadin/Segl: the real numbers
Concretely for Sils im Engadin/Segl: the 2026 adult premium (deductible 300 CHF) is between 418 and 614 francs a month depending on the provider. Because the scope of basic insurance is identical by law, the choice of insurer alone decides up to 2’351 francs of difference 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 Sils im Engadin/Segl from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Sils im Engadin/Segl →
Basic insurance in Sils im Engadin/Segl: choosing insurer, deductible and model
You steer your premium in Sils im Engadin/Segl 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 Sils im Engadin/Segl 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 Sils im Engadin/Segl
- 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 Sils im Engadin/Segl →
How we work for Sils im Engadin/Segl
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 Sils im Engadin/Segl 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 Sils im Engadin/Segl (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Sils im Engadin/Segl?
In Sils im Engadin/Segl (postal code 7514), 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 Sils im Engadin/Segl have the same premiums?
Not necessarily. Sils im Engadin/Segl and nearby municipalities such as Silvaplana (5 km), Saint-Moritz (9 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 Sils im Engadin/Segl?
No. It explains the insurance and tax concepts for residents of Sils im Engadin/Segl (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 Sils im Engadin/Segl with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Sils im Engadin/Segl follow. The comparison is free, and no offer is binding.
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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.