SWICA or CONCORDIA in Region 2 of canton Grisons?
In Region 2, CONCORDIA is CHF 52.80 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 445.60 a month, SWICA to CHF 450.00. The gap is CHF 52.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to CONCORDIA is worth CHF 331.20 more a year. Agrisano
Where they stand in the region
SWICA ranks 9 and CONCORDIA ranks 5, 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 535.60 | CHF 521.10 | + 14.50 |
| 500 | CHF 524.00 | CHF 509.50 | + 14.50 |
| 1'000 | CHF 494.80 | CHF 480.30 | + 14.50 |
| 1'500 | CHF 465.60 | CHF 451.10 | + 14.50 |
| 2'000 | CHF 436.50 | CHF 422.00 | + 14.50 |
| 2'500 | CHF 407.30 | CHF 392.80 | + 14.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 450.00 | CHF 461.20 |
| Other model | CHF 503.50 | CHF 445.60 |
| Free choice of doctor | CHF 535.60 | CHF 521.10 |
| HMO practice | — | CHF 445.60 |
How they moved in this region
Against 2025, SWICA moves by + 6.4 % and CONCORDIA by + 5.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.