SWICA or CONCORDIA in Region 1 of canton Grisons?
In Region 1, CONCORDIA is CHF 369.60 a year cheaper than SWICA 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 461.70 a month, SWICA to CHF 492.50. The gap is CHF 369.60 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 CONCORDIA is worth CHF 97.20 more a year. Sanitas
Where they stand in the region
SWICA ranks 11 and CONCORDIA ranks 3, 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 | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 586.30 | CHF 540.00 | + 46.30 |
| 500 | CHF 574.70 | CHF 528.40 | + 46.30 |
| 1'000 | CHF 545.50 | CHF 499.20 | + 46.30 |
| 1'500 | CHF 516.30 | CHF 470.00 | + 46.30 |
| 2'000 | CHF 487.20 | CHF 440.90 | + 46.30 |
| 2'500 | CHF 458.00 | CHF 411.70 | + 46.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 492.50 | CHF 477.90 |
| Other model | CHF 551.20 | CHF 461.70 |
| Free choice of doctor | CHF 586.30 | CHF 540.00 |
| HMO practice | — | CHF 461.70 |
How they moved in this region
Against 2025, SWICA moves by + 6.3 % and CONCORDIA by + 7.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.