Helsana or SWICA in Region 1 of canton Grisons?
In Region 1, Helsana is CHF 162.00 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
Helsana comes down to CHF 479.00 a month, SWICA to CHF 492.50. The gap is CHF 162.00 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 Helsana is worth CHF 304.80 more a year. Sanitas
Where they stand in the region
Helsana ranks 8 and SWICA ranks 11, 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 | SWICA | Gap |
|---|---|---|---|
| 300 | CHF 557.00 | CHF 586.30 | − 29.30 |
| 500 | CHF 545.40 | CHF 574.70 | − 29.30 |
| 1'000 | CHF 516.20 | CHF 545.50 | − 29.30 |
| 1'500 | CHF 487.00 | CHF 516.30 | − 29.30 |
| 2'000 | CHF 457.90 | CHF 487.20 | − 29.30 |
| 2'500 | CHF 428.70 | CHF 458.00 | − 29.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 479.00 | CHF 551.20 |
| Family doctor | CHF 479.00 | CHF 492.50 |
| Free choice of doctor | CHF 557.00 | CHF 586.30 |
How they moved in this region
Against 2025, Helsana moves by + 2.1 % and SWICA by + 6.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.