CONCORDIA or Mutuel in Region 2 of canton Grisons?
In Region 2, CONCORDIA is CHF 264.00 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 445.60 a month, Mutuel to CHF 467.60. The gap is CHF 264.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to CONCORDIA is worth CHF 331.20 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 5 and Mutuel ranks 12, 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 521.10 | CHF 534.30 | − 13.20 |
| 500 | CHF 509.50 | CHF 522.80 | − 13.30 |
| 1'000 | CHF 480.30 | CHF 493.80 | − 13.50 |
| 1'500 | CHF 451.10 | CHF 464.30 | − 13.20 |
| 2'000 | CHF 422.00 | CHF 435.30 | − 13.30 |
| 2'500 | CHF 392.80 | CHF 406.30 | − 13.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| Other model | CHF 445.60 | CHF 467.60 |
| HMO practice | CHF 445.60 | CHF 470.20 |
| Family doctor | CHF 461.20 | CHF 486.30 |
| Free choice of doctor | CHF 521.10 | CHF 534.30 |
How they moved in this region
Against 2025, CONCORDIA moves by + 5.7 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.