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Sanitas or CONCORDIA in Region 1 of canton Grisons?

In Region 1, Sanitas is CHF 97.20 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Sanitas comes down to CHF 453.60 a month, CONCORDIA to CHF 461.70. The gap is CHF 97.20 a year, 300-franc deductible, accident cover included.

What the question hides

Sanitas is also the cheapest insurer in the region, out of 24 active insurers. Duel and ranking give the same answer here.

Where they stand in the region

Sanitas ranks 1 and CONCORDIA ranks 3, 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.

DeductibleSanitasCONCORDIAGap
300CHF 539.90CHF 540.00− 0.10
500CHF 528.30CHF 528.40− 0.10
1'000CHF 499.10CHF 499.20− 0.10
1'500CHF 469.90CHF 470.00− 0.10
2'000CHF 440.80CHF 440.90− 0.10
2'500CHF 411.60CHF 411.70− 0.10

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSanitasCONCORDIA
Other modelCHF 453.60CHF 461.70
Family doctorCHF 469.70CHF 477.90
HMO practiceCHF 491.40CHF 461.70
Free choice of doctorCHF 539.90CHF 540.00

How they moved in this region

Against 2025, Sanitas moves by + 3.1 % and CONCORDIA by + 7.2 % in this region.

Sanitas, CONCORDIA, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.