Key points at a glance
This page explains to residents of Urmein 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 Urmein (postal code 7427), a municipality of roughly 154 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 Urmein and a nearby municipality (Tschappina (1 km), Flerden (2 km), Masein (2 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Urmein at a glance: your local context
Urmein, a municipality of roughly 154 residents in the canton of Graubünden, brings its own local context to "Maternity and birth (supplementary insurance)". For health insurance premiums, Urmein 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 154
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7427
- Federal municipality number (BFS): 3670
Maternity and birth (supplementary insurance) around Urmein: compare neighbouring municipalities
Living or working near Urmein? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Maternity and birth (supplementary insurance) in Tschappina — 1.4 km away
- Maternity and birth (supplementary insurance) in Flerden — 1.5 km away
- Maternity and birth (supplementary insurance) in Masein — 2.0 km away
- Maternity and birth (supplementary insurance) in Thusis — 2.4 km away
- Maternity and birth (supplementary insurance) in Rongellen — 3.2 km away
- Maternity and birth (supplementary insurance) in Sils im Domleschg — 4.0 km away
- Maternity and birth (supplementary insurance) in Fürstenau — 4.1 km away
- Maternity and birth (supplementary insurance) in Scharans — 5.6 km away
- Maternity and birth (supplementary insurance) in Cazis — 6.0 km away
- Maternity and birth (supplementary insurance) in Zillis-Reischen — 6.3 km away
Supplementary insurance (LCA) in Urmein: what matters
With supplementary insurance, freedom of contract applies: each insurer sets its own benefits, rates and conditions. In Urmein, two equally priced contracts can protect you completely differently — for example the hospital ward (private or semi-private), the dentist, complementary medicine, vision aids or maternity. The right yardstick is your real need, cover by cover.
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 Urmein →
How we work for Urmein
Our approach for "Maternity and birth (supplementary insurance)" in Urmein: (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 Urmein (practical guidance, not legal advice)
Is "Maternity and birth (supplementary insurance)" also covered for the area around Urmein?
Yes. The neighbouring municipalities of Urmein, such as Tschappina (1 km), Flerden (2 km), each have their own page on "Maternity and birth (supplementary 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 Urmein?
No, it is for orientation in Urmein. 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 "Maternity and birth (supplementary insurance)" in Urmein with no obligation?
Of course. The starting point is your situation in Urmein; 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?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
This local guide for Urmein is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.