SWICA or Atupri in Region 1 of canton Grisons?

In Region 1, SWICA is CHF 302.40 a year cheaper than Atupri 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, Atupri to CHF 517.70. The gap is CHF 302.40 a year, 300-franc deductible, accident cover included.

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

SWICA ranks 11 and Atupri ranks 20, out of 24 active insurers in this region.

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	SWICA	Atupri	Gap
300	CHF 586.30	CHF 595.00	− 8.70
500	CHF 574.70	CHF 583.40	− 8.70
1'000	CHF 545.50	CHF 554.20	− 8.70
1'500	CHF 516.30	CHF 525.00	− 8.70
2'000	CHF 487.20	CHF 495.90	− 8.70
2'500	CHF 458.00	CHF 466.70	− 8.70

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

Against 2025, SWICA moves by + 6.3 % and Atupri by + 9.5 % in this region.

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