Helsana or SWICA in Region 3 of canton Grisons?
In Region 3, Helsana is CHF 109.20 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 441.80 a month, SWICA to CHF 450.90. The gap is CHF 109.20 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 Helsana is worth CHF 445.20 more a year. vita surselva
Where they stand in the region
Helsana ranks 11 and SWICA ranks 13, 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 526.00 | CHF 512.30 | + 13.70 |
| 500 | CHF 514.40 | CHF 500.70 | + 13.70 |
| 1'000 | CHF 485.20 | CHF 471.50 | + 13.70 |
| 1'500 | CHF 456.00 | CHF 442.30 | + 13.70 |
| 2'000 | CHF 426.90 | CHF 413.20 | + 13.70 |
| 2'500 | CHF 397.70 | CHF 384.00 | + 13.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | SWICA |
|---|---|---|
| Other model | CHF 441.80 | CHF 481.60 |
| Family doctor | CHF 447.10 | CHF 450.90 |
| Free choice of doctor | CHF 526.00 | CHF 512.30 |
How they moved in this region
Against 2025, Helsana moves by + 1.9 % and SWICA by + 8.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.