CSS or SWICA in Region 2 of canton Grisons?

In Region 2, CSS is CHF 3.60 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 449.70 a month, SWICA to CHF 450.00. The gap is CHF 3.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to CSS is worth CHF 380.40 more a year. Agrisano

CSS ranks 8 and SWICA ranks 9, 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 529.00	CHF 535.60	− 6.60
500	CHF 517.40	CHF 524.00	− 6.60
1'000	CHF 488.20	CHF 494.80	− 6.60
1'500	CHF 459.00	CHF 465.60	− 6.60
2'000	CHF 429.90	CHF 436.50	− 6.60
2'500	CHF 400.70	CHF 407.30	− 6.60

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

Against 2025, CSS moves by + 6.0 % and SWICA by + 6.4 % in this region.

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