Helsana or SWICA in Region 2 of canton Grisons?
In Region 2, SWICA is CHF 36.00 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
SWICA comes down to CHF 450.00 a month, Helsana to CHF 453.00. The gap is CHF 36.00 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 SWICA is worth CHF 384.00 more a year. Agrisano
Where they stand in the region
Helsana ranks 11 and SWICA ranks 9, 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 533.00 | CHF 535.60 | − 2.60 |
| 500 | CHF 521.40 | CHF 524.00 | − 2.60 |
| 1'000 | CHF 492.20 | CHF 494.80 | − 2.60 |
| 1'500 | CHF 463.00 | CHF 465.60 | − 2.60 |
| 2'000 | CHF 433.90 | CHF 436.50 | − 2.60 |
| 2'500 | CHF 404.70 | CHF 407.30 | − 2.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 453.00 | CHF 503.50 |
| Family doctor | CHF 453.00 | CHF 450.00 |
| Free choice of doctor | CHF 533.00 | CHF 535.60 |
How they moved in this region
Against 2025, Helsana moves by + 0.2 % and SWICA by + 6.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.