CONCORDIA or EGK in Region 3 of canton Grisons?
In Region 3, CONCORDIA is CHF 500.40 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 426.20 a month, EGK to CHF 467.90. The gap is CHF 500.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to CONCORDIA is worth CHF 258.00 more a year. vita surselva
Where they stand in the region
CONCORDIA ranks 6 and EGK ranks 20, 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 498.40 | CHF 544.00 | − 45.60 |
| 500 | CHF 486.80 | CHF 532.30 | − 45.50 |
| 1'000 | CHF 457.60 | CHF 503.20 | − 45.60 |
| 1'500 | CHF 428.40 | CHF 474.00 | − 45.60 |
| 2'000 | CHF 399.30 | CHF 444.80 | − 45.50 |
| 2'500 | CHF 370.10 | CHF 415.70 | − 45.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | EGK |
|---|---|---|
| Other model | CHF 426.20 | CHF 467.90 |
| HMO practice | CHF 426.20 | — |
| Family doctor | CHF 441.10 | CHF 470.60 |
| Free choice of doctor | CHF 498.40 | CHF 544.00 |
How they moved in this region
Against 2025, CONCORDIA moves by + 5.7 % and EGK by + 2.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.