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CONCORDIA or ÖKK in Region 3 of canton Grisons?

In Region 3, ÖKK is CHF 6.00 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

ÖKK comes down to CHF 425.70 a month, CONCORDIA to CHF 426.20. The gap is CHF 6.00 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 ÖKK is worth CHF 252.00 more a year. vita surselva

Where they stand in the region

CONCORDIA ranks 6 and ÖKK ranks 5, 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.

DeductibleCONCORDIAÖKKGap
300CHF 498.40CHF 473.00+ 25.40
500CHF 486.80CHF 461.40+ 25.40
1'000CHF 457.60CHF 432.20+ 25.40
1'500CHF 428.40CHF 403.00+ 25.40
2'000CHF 399.30CHF 373.90+ 25.40
2'500CHF 370.10CHF 344.70+ 25.40

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelCONCORDIAÖKK
Other modelCHF 426.20CHF 425.70
HMO practiceCHF 426.20CHF 425.70
Family doctorCHF 441.10CHF 425.70
Free choice of doctorCHF 498.40CHF 473.00

How they moved in this region

Against 2025, CONCORDIA moves by + 5.7 % and ÖKK by + 5.6 % in this region.

CONCORDIA, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.