CONCORDIA or EGK in Region 1 of canton Grisons?
In Region 1, CONCORDIA is CHF 1'036.80 a year cheaper than EGK for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CONCORDIA comes down to CHF 461.70 a month, EGK to CHF 548.10. The gap is CHF 1'036.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to CONCORDIA is worth CHF 97.20 more a year. Sanitas
Where they stand in the region
CONCORDIA ranks 3 and EGK ranks 22, out of 24 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | CONCORDIA | EGK | Gap |
|---|---|---|---|
| 300 | CHF 540.00 | CHF 622.20 | − 82.20 |
| 500 | CHF 528.40 | CHF 610.60 | − 82.20 |
| 1'000 | CHF 499.20 | CHF 581.40 | − 82.20 |
| 1'500 | CHF 470.00 | CHF 552.20 | − 82.20 |
| 2'000 | CHF 440.90 | CHF 523.10 | − 82.20 |
| 2'500 | CHF 411.70 | CHF 493.90 | − 82.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | EGK |
|---|---|---|
| Other model | CHF 461.70 | CHF 548.10 |
| HMO practice | CHF 461.70 | — |
| Family doctor | CHF 477.90 | CHF 603.60 |
| Free choice of doctor | CHF 540.00 | CHF 622.20 |
How they moved in this region
Against 2025, CONCORDIA moves by + 7.2 % and EGK by + 2.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.