Key points at a glance
Living in Surses (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 Surses 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. Surses has roughly 2’356 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Surses, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Albula/Alvra (8 km), Lantsch/Lenz (10 km), Bergün Filisur (11 km).
Surses at a glance: your local context
Surses, a municipality of roughly 2’356 residents in the canton of Graubünden, has its own profile when it comes to health insurance. Surses 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 2’356
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7452
- Federal municipality number (BFS): 3543
Applying for premium subsidies around Surses: compare neighbouring municipalities
Around Surses, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Applying for premium subsidies in Albula/Alvra — 7.8 km away
- Applying for premium subsidies in Lantsch/Lenz — 9.8 km away
- Applying for premium subsidies in Bergün Filisur — 10.8 km away
- Applying for premium subsidies in Schmitten — 11.4 km away
- Applying for premium subsidies in Andeer — 13.3 km away
- Applying for premium subsidies in Zillis-Reischen — 13.3 km away
- Applying for premium subsidies in Muntogna da Schons — 13.5 km away
- Applying for premium subsidies in Vaz/Obervaz — 13.7 km away
- Applying for premium subsidies in Ferrera — 13.8 km away
- Applying for premium subsidies in Rongellen — 14.8 km away
Health insurance premiums 2026 in Surses: the real numbers
Concretely for Surses: 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 | — |
Our comparison tool does this work for you: the 76 insurers available for Surses are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Surses: choosing insurer, deductible and model
You steer your premium in Surses 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 Surses 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.
Mind the deadlines: for a switch on 1 January, the cancellation must have reached the old insurer by 30 November — what counts is receipt, not the postmark. And check the premium subsidy in the canton of Graubünden: the entitlement goes surprisingly often unclaimed.
Checklist for Surses
- 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 Surses →
How we work for Surses
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 Surses 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 Surses (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Surses?
In Surses (postal code 7452), 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 Surses have the same premiums?
Not necessarily. Surses and nearby municipalities such as Albula/Alvra (8 km), Lantsch/Lenz (10 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 Surses?
No, it is for orientation in Surses. 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 Surses with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Surses 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.