Key points at a glance
Living in Vals (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 Vals 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 (Vals 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. Vals has roughly 1’007 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Vals, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Rheinwald (9 km), Lumnezia (11 km), Safiental (13 km).
Vals at a glance: your local context
Vals, a municipality of roughly 1’007 residents in the canton of Graubünden, has its own profile when it comes to health insurance. Vals 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 1’007
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7132
- Federal municipality number (BFS): 3603
Health insurance and supplementary cover around Vals: compare neighbouring municipalities
Living or working near Vals? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Health insurance and supplementary cover in Rheinwald — 9.3 km away
- Health insurance and supplementary cover in Lumnezia — 11.2 km away
- Health insurance and supplementary cover in Safiental — 12.5 km away
- Health insurance and supplementary cover in Sufers — 14.9 km away
- Health insurance and supplementary cover in Mundaun — 15.3 km away
- Health insurance and supplementary cover in Obersaxen Mundaun — 16.3 km away
- Health insurance and supplementary cover in Tschappina — 17.0 km away
- Health insurance and supplementary cover in Ilanz/Glion — 17.7 km away
- Health insurance and supplementary cover in Urmein — 18.4 km away
- Health insurance and supplementary cover in Andeer — 18.6 km away
Health insurance premiums 2026 in Vals: the real numbers
Concretely for Vals: 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 Vals from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Vals: choosing insurer, deductible and model
You steer your premium in Vals 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 Vals 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 Vals
- 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 Vals →
How we work for Vals
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 Vals 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 Vals (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Vals?
In Vals (postal code 7132), 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 Vals have the same premiums?
Not necessarily. Vals and nearby municipalities such as Rheinwald (9 km), Lumnezia (11 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 Vals?
No. It explains the insurance and tax concepts for residents of Vals (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 Vals with no obligation?
Of course. The starting point is your situation in Vals; 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
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.