CONCORDIA or Mutuel in Region 1 of canton Grisons?
In Region 1, CONCORDIA is CHF 213.60 a year cheaper than Mutuel 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, Mutuel to CHF 479.50. The gap is CHF 213.60 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 Mutuel ranks 9, 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 540.00 | CHF 548.00 | − 8.00 |
| 500 | CHF 528.40 | CHF 536.50 | − 8.10 |
| 1'000 | CHF 499.20 | CHF 507.50 | − 8.30 |
| 1'500 | CHF 470.00 | CHF 478.00 | − 8.00 |
| 2'000 | CHF 440.90 | CHF 449.00 | − 8.10 |
| 2'500 | CHF 411.70 | CHF 420.00 | − 8.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| Other model | CHF 461.70 | CHF 479.50 |
| HMO practice | CHF 461.70 | CHF 482.30 |
| Family doctor | CHF 477.90 | CHF 498.70 |
| Free choice of doctor | CHF 540.00 | CHF 548.00 |
How they moved in this region
Against 2025, CONCORDIA moves by + 7.2 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.