Key points at a glance
This page is written for residents of Vaz/Obervaz, 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 Vaz/Obervaz, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
What sets your premium is your FOPH premium region (Vaz/Obervaz 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. Vaz/Obervaz has roughly 2’780 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Vaz/Obervaz, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Lantsch/Lenz (4 km), Albula/Alvra (6 km), Scharans (7 km).
Vaz/Obervaz at a glance: your local context
Vaz/Obervaz, a municipality of roughly 2’780 residents in the canton of Graubünden, has its own profile when it comes to health insurance. For health insurance premiums, Vaz/Obervaz 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 2’780
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7082
- Federal municipality number (BFS): 3506
Health insurance and supplementary cover around Vaz/Obervaz: compare neighbouring municipalities
Around Vaz/Obervaz, 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 Lantsch/Lenz — 3.9 km away
- Health insurance and supplementary cover in Albula/Alvra — 6.0 km away
- Health insurance and supplementary cover in Scharans — 6.9 km away
- Health insurance and supplementary cover in Churwalden — 7.2 km away
- Health insurance and supplementary cover in Sils im Domleschg — 7.9 km away
- Health insurance and supplementary cover in Fürstenau — 8.9 km away
- Health insurance and supplementary cover in Domleschg — 9.0 km away
- Health insurance and supplementary cover in Thusis — 9.5 km away
- Health insurance and supplementary cover in Rongellen — 9.6 km away
- Health insurance and supplementary cover in Cazis — 9.7 km away
Health insurance premiums 2026 in Vaz/Obervaz: the real numbers
In Vaz/Obervaz, 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 Vaz/Obervaz from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Vaz/Obervaz →
Basic insurance in Vaz/Obervaz: choosing insurer, deductible and model
You steer your premium in Vaz/Obervaz 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 Vaz/Obervaz 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 Vaz/Obervaz
- 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 Vaz/Obervaz →
How we work for Vaz/Obervaz
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 Vaz/Obervaz 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 Vaz/Obervaz (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Vaz/Obervaz?
In Vaz/Obervaz (postal code 7082), 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 Vaz/Obervaz have the same premiums?
Not necessarily. Vaz/Obervaz and nearby municipalities such as Lantsch/Lenz (4 km), Albula/Alvra (6 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 Vaz/Obervaz?
No, it is for orientation in Vaz/Obervaz. 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 "Health insurance and supplementary cover" in Vaz/Obervaz with no obligation?
Of course. The starting point is your situation in Vaz/Obervaz; 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.