Sanitas or CONCORDIA in Region 3 of canton Grisons?
In Region 3, CONCORDIA is CHF 102.60 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 426.20 a month, Sanitas to CHF 434.75. The gap is CHF 102.60 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 CONCORDIA is worth CHF 258.00 more a year. vita surselva
Where they stand in the region
Sanitas ranks 9 and CONCORDIA ranks 6, 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 | Sanitas | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 499.70 | CHF 498.40 | + 1.30 |
| 500 | CHF 488.10 | CHF 486.80 | + 1.30 |
| 1'000 | CHF 458.90 | CHF 457.60 | + 1.30 |
| 1'500 | CHF 429.70 | CHF 428.40 | + 1.30 |
| 2'000 | CHF 400.60 | CHF 399.30 | + 1.30 |
| 2'500 | CHF 371.40 | CHF 370.10 | + 1.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | CONCORDIA |
|---|---|---|
| Family doctor | CHF 434.75 | CHF 441.10 |
| Other model | CHF 434.80 | CHF 426.20 |
| HMO practice | CHF 454.80 | CHF 426.20 |
| Free choice of doctor | CHF 499.70 | CHF 498.40 |
How they moved in this region
Against 2025, Sanitas moves by + 4.2 % and CONCORDIA by + 5.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.