SWICA or Atupri in Region 3 of canton Grisons?
In Region 3, SWICA is CHF 205.20 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 450.90 a month, Atupri to CHF 468.00. The gap is CHF 205.20 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 SWICA is worth CHF 554.40 more a year. vita surselva
Where they stand in the region
SWICA ranks 13 and Atupri 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.
| Deductible | SWICA | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 512.30 | CHF 537.90 | − 25.60 |
| 500 | CHF 500.70 | CHF 526.30 | − 25.60 |
| 1'000 | CHF 471.50 | CHF 497.10 | − 25.60 |
| 1'500 | CHF 442.30 | CHF 467.90 | − 25.60 |
| 2'000 | CHF 413.20 | CHF 438.80 | − 25.60 |
| 2'500 | CHF 384.00 | CHF 409.60 | − 25.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Atupri |
|---|---|---|
| Family doctor | CHF 450.90 | CHF 468.00 |
| Other model | CHF 481.60 | CHF 473.40 |
| Free choice of doctor | CHF 512.30 | CHF 537.90 |
How they moved in this region
Against 2025, SWICA moves by + 8.8 % and Atupri by + 4.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.