Key points at a glance
This page is written for residents of Silvaplana, in the canton of Graubünden, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Silvaplana, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
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. Silvaplana has roughly 1’111 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Silvaplana, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Saint-Moritz (4 km), Sils im Engadin/Segl (5 km), Celerina/Schlarigna (7 km).
Silvaplana at a glance: your local context
Silvaplana, a municipality of roughly 1’111 residents in the canton of Graubünden, has its own profile when it comes to health insurance. For health insurance premiums, Silvaplana 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 1’111
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7513
- Federal municipality number (BFS): 3790
Health insurance and supplementary cover around Silvaplana: compare neighbouring municipalities
Around Silvaplana, 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 Saint-Moritz — 4.5 km away
- Health insurance and supplementary cover in Sils im Engadin/Segl — 4.5 km away
- Health insurance and supplementary cover in Celerina/Schlarigna — 6.8 km away
- Health insurance and supplementary cover in Pontresina — 8.5 km away
- Health insurance and supplementary cover in Samedan — 9.3 km away
- Health insurance and supplementary cover in Bever — 11.2 km away
- Health insurance and supplementary cover in La Punt Chamues-ch — 14.2 km away
- Health insurance and supplementary cover in Madulain — 16.5 km away
- Health insurance and supplementary cover in Zuoz — 19.4 km away
- Health insurance and supplementary cover in Surses — 21.1 km away
Health insurance premiums 2026 in Silvaplana: the real numbers
In Silvaplana, 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 Silvaplana from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Silvaplana →
Basic insurance in Silvaplana: choosing insurer, deductible and model
You steer your premium in Silvaplana 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 Silvaplana 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 Silvaplana
- 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 Silvaplana →
How we work for Silvaplana
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 Silvaplana 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 Silvaplana (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Silvaplana?
In Silvaplana (postal code 7513), 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 Silvaplana have the same premiums?
Not necessarily. Silvaplana and nearby municipalities such as Saint-Moritz (4 km), Sils im Engadin/Segl (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 Silvaplana?
No. It explains the insurance and tax concepts for residents of Silvaplana (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 Silvaplana with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Silvaplana follow. The comparison is free, and no offer is binding.
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
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.