Helsana or CONCORDIA in Region 3 of canton Grisons?
In Region 3, CONCORDIA is CHF 187.20 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 426.20 a month, Helsana to CHF 441.80. The gap is CHF 187.20 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 CONCORDIA is worth CHF 258.00 more a year. vita surselva
Where they stand in the region
Helsana ranks 11 and CONCORDIA ranks 6, 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 526.00 | CHF 498.40 | + 27.60 |
| 500 | CHF 514.40 | CHF 486.80 | + 27.60 |
| 1'000 | CHF 485.20 | CHF 457.60 | + 27.60 |
| 1'500 | CHF 456.00 | CHF 428.40 | + 27.60 |
| 2'000 | CHF 426.90 | CHF 399.30 | + 27.60 |
| 2'500 | CHF 397.70 | CHF 370.10 | + 27.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | CONCORDIA |
|---|---|---|
| Other model | CHF 441.80 | CHF 426.20 |
| Family doctor | CHF 447.10 | CHF 441.10 |
| Free choice of doctor | CHF 526.00 | CHF 498.40 |
| HMO practice | — | CHF 426.20 |
How they moved in this region
Against 2025, Helsana moves by + 1.9 % and CONCORDIA by + 5.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.