CSS or SWICA in Region 1 of canton Grisons?

In Region 1, CSS is CHF 223.20 a year cheaper than SWICA for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

CSS comes down to CHF 473.90 a month, SWICA to CHF 492.50. The gap is CHF 223.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to CSS is worth CHF 243.60 more a year. Sanitas

CSS ranks 5 and SWICA ranks 11, out of 24 active insurers in this region.

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	CSS	SWICA	Gap
300	CHF 551.00	CHF 586.30	− 35.30
500	CHF 539.40	CHF 574.70	− 35.30
1'000	CHF 510.20	CHF 545.50	− 35.30
1'500	CHF 481.00	CHF 516.30	− 35.30
2'000	CHF 451.90	CHF 487.20	− 35.30
2'500	CHF 422.70	CHF 458.00	− 35.30

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

Against 2025, CSS moves by + 6.9 % and SWICA by + 6.3 % in this region.

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