Helsana or CONCORDIA in Region 1 of canton Grisons?
In Region 1, CONCORDIA is CHF 207.60 a year cheaper than Helsana 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, Helsana to CHF 479.00. The gap is CHF 207.60 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
Helsana ranks 8 and CONCORDIA ranks 3, 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 | Helsana | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 557.00 | CHF 540.00 | + 17.00 |
| 500 | CHF 545.40 | CHF 528.40 | + 17.00 |
| 1'000 | CHF 516.20 | CHF 499.20 | + 17.00 |
| 1'500 | CHF 487.00 | CHF 470.00 | + 17.00 |
| 2'000 | CHF 457.90 | CHF 440.90 | + 17.00 |
| 2'500 | CHF 428.70 | CHF 411.70 | + 17.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | CONCORDIA |
|---|---|---|
| Other model | CHF 479.00 | CHF 461.70 |
| Family doctor | CHF 479.00 | CHF 477.90 |
| Free choice of doctor | CHF 557.00 | CHF 540.00 |
| HMO practice | — | CHF 461.70 |
How they moved in this region
Against 2025, Helsana moves by + 2.1 % and CONCORDIA by + 7.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.