Helsana or CONCORDIA in Region 2 of canton Grisons?
In Region 2, CONCORDIA is CHF 88.80 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 445.60 a month, Helsana to CHF 453.00. The gap is CHF 88.80 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
Helsana ranks 11 and CONCORDIA 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.
| Deductible | Helsana | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 533.00 | CHF 521.10 | + 11.90 |
| 500 | CHF 521.40 | CHF 509.50 | + 11.90 |
| 1'000 | CHF 492.20 | CHF 480.30 | + 11.90 |
| 1'500 | CHF 463.00 | CHF 451.10 | + 11.90 |
| 2'000 | CHF 433.90 | CHF 422.00 | + 11.90 |
| 2'500 | CHF 404.70 | CHF 392.80 | + 11.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | CONCORDIA |
|---|---|---|
| Other model | CHF 453.00 | CHF 445.60 |
| Family doctor | CHF 453.00 | CHF 461.20 |
| Free choice of doctor | CHF 533.00 | CHF 521.10 |
| HMO practice | — | CHF 445.60 |
How they moved in this region
Against 2025, Helsana moves by + 0.2 % and CONCORDIA by + 5.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.