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Sanitas or CONCORDIA in Region 2 of canton Grisons?

In Region 2, CONCORDIA is CHF 32.40 a year cheaper than Sanitas 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 445.60 a month, Sanitas to CHF 448.30. The gap is CHF 32.40 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 CONCORDIA is worth CHF 331.20 more a year. Agrisano

Where they stand in the region

Sanitas ranks 7 and CONCORDIA ranks 5, 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 515.30CHF 521.10− 5.80
500CHF 503.70CHF 509.50− 5.80
1'000CHF 474.50CHF 480.30− 5.80
1'500CHF 445.30CHF 451.10− 5.80
2'000CHF 416.20CHF 422.00− 5.80
2'500CHF 387.00CHF 392.80− 5.80

Model by model

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

ModelSanitasCONCORDIA
Family doctorCHF 448.30CHF 461.20
Other modelCHF 448.40CHF 445.60
HMO practiceCHF 469.00CHF 445.60
Free choice of doctorCHF 515.30CHF 521.10

How they moved in this region

Against 2025, Sanitas moves by + 4.2 % and CONCORDIA by + 5.7 % 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.