Key points at a glance
Living in Sumvitg (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 Sumvitg 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. Sumvitg has roughly 1’158 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Sumvitg, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Trun (5 km), Disentis/Mustér (7 km), Breil/Brigels (10 km).
Sumvitg at a glance: your local context
Sumvitg, a municipality of roughly 1’158 residents in the canton of Graubünden, has its own profile when it comes to health insurance. Sumvitg 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 1’158
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7175
- Federal municipality number (BFS): 3985
Applying for premium subsidies around Sumvitg: compare neighbouring municipalities
Living or working near Sumvitg? 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 Trun — 4.8 km away
- Applying for premium subsidies in Disentis/Mustér — 6.8 km away
- Applying for premium subsidies in Breil/Brigels — 10.5 km away
- Applying for premium subsidies in Medel — 12.0 km away
- Applying for premium subsidies in Obersaxen Mundaun — 12.9 km away
- Applying for premium subsidies in Tujetsch — 13.2 km away
- Applying for premium subsidies in Mundaun — 15.7 km away
- Applying for premium subsidies in Lumnezia — 19.1 km away
- Applying for premium subsidies in Blenio — 20.4 km away
- Applying for premium subsidies in Unterschächen — 20.5 km away
Health insurance premiums 2026 in Sumvitg: the real numbers
Concretely for Sumvitg: 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 Sumvitg from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Sumvitg →
Basic insurance in Sumvitg: choosing insurer, deductible and model
Three decisions drive your premium in Sumvitg. 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 Sumvitg 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 Sumvitg
- 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 Sumvitg →
How we work for Sumvitg
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of Graubünden. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Sumvitg 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. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Sumvitg (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Sumvitg?
In Sumvitg (postal code 7175), 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 Sumvitg have the same premiums?
Not necessarily. Sumvitg and nearby municipalities such as Trun (5 km), Disentis/Mustér (7 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 Sumvitg?
No, it is for orientation in Sumvitg. 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 Sumvitg with no obligation?
Of course. The starting point is your situation in Sumvitg; 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.