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SWICA or Assura-Basis in Region 1 of canton Grisons?

In Region 1, SWICA is CHF 627.60 a year cheaper than Assura-Basis 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 492.50 a month, Assura-Basis to CHF 544.80. The gap is CHF 627.60 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to SWICA is worth CHF 466.80 more a year. Sanitas

Where they stand in the region

SWICA ranks 11 and Assura-Basis ranks 21, 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.

DeductibleSWICAAssura-BasisGap
300CHF 586.30CHF 598.60− 12.30
500CHF 574.70CHF 587.00− 12.30
1'000CHF 545.50CHF 557.80− 12.30
1'500CHF 516.30CHF 528.60− 12.30
2'000CHF 487.20CHF 499.50− 12.30
2'500CHF 458.00CHF 470.30− 12.30

Model by model

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

ModelSWICAAssura-Basis
Family doctorCHF 492.50CHF 544.80
Other modelCHF 551.20—
Free choice of doctorCHF 586.30CHF 598.60

How they moved in this region

Against 2025, SWICA moves by + 6.3 % and Assura-Basis by + 5.0 % in this region.

SWICA, Assura-Basis, 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.