Key points at a glance
This page explains to residents of Vaz/Obervaz 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 Vaz/Obervaz (postal code 7082), a municipality of roughly 2’780 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 Vaz/Obervaz and a nearby municipality (Lantsch/Lenz (4 km), Albula/Alvra (6 km), Scharans (7 km))? The range of supplementary policies is the same everywhere — your profile sets the price, not your address.
Vaz/Obervaz at a glance: your local context
Vaz/Obervaz, a municipality of roughly 2’780 residents in the canton of Graubünden, brings its own local context to "Complementary medicine cover". 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
Complementary medicine 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:
- Complementary medicine cover in Lantsch/Lenz — 3.9 km away
- Complementary medicine cover in Albula/Alvra — 6.0 km away
- Complementary medicine cover in Scharans — 6.9 km away
- Complementary medicine cover in Churwalden — 7.2 km away
- Complementary medicine cover in Sils im Domleschg — 7.9 km away
- Complementary medicine cover in Fürstenau — 8.9 km away
- Complementary medicine cover in Domleschg — 9.0 km away
- Complementary medicine cover in Thusis — 9.5 km away
- Complementary medicine cover in Rongellen — 9.6 km away
- Complementary medicine cover in Cazis — 9.7 km away
Supplementary insurance (LCA) in Vaz/Obervaz: what matters
With supplementary insurance, freedom of contract applies: each insurer sets its own benefits, rates and conditions. In Vaz/Obervaz, 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 ground rules: first, supplementary insurance is not compulsory — it can be signed or cancelled separately from basic insurance. Second, the provider may check your health and set exclusions or decline; those who sign up young and healthy and answer the health questions precisely secure the best terms.
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 Vaz/Obervaz →
How we work for Vaz/Obervaz
Our approach for "Complementary medicine cover" in Vaz/Obervaz: (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 Vaz/Obervaz (practical guidance, not legal advice)
Is "Complementary medicine cover" also covered for the area around Vaz/Obervaz?
Yes. The neighbouring municipalities of Vaz/Obervaz, such as Lantsch/Lenz (4 km), Albula/Alvra (6 km), each have their own page on "Complementary medicine cover" — 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 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 "Complementary medicine 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.
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
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.