SWICA or CONCORDIA in Region 3 of canton Grisons?
In Region 3, CONCORDIA is CHF 296.40 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 426.20 a month, SWICA to CHF 450.90. The gap is CHF 296.40 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 CONCORDIA is worth CHF 258.00 more a year. vita surselva
Where they stand in the region
SWICA ranks 13 and CONCORDIA ranks 6, 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 512.30 | CHF 498.40 | + 13.90 |
| 500 | CHF 500.70 | CHF 486.80 | + 13.90 |
| 1'000 | CHF 471.50 | CHF 457.60 | + 13.90 |
| 1'500 | CHF 442.30 | CHF 428.40 | + 13.90 |
| 2'000 | CHF 413.20 | CHF 399.30 | + 13.90 |
| 2'500 | CHF 384.00 | CHF 370.10 | + 13.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 450.90 | CHF 441.10 |
| Other model | CHF 481.60 | CHF 426.20 |
| Free choice of doctor | CHF 512.30 | CHF 498.40 |
| HMO practice | — | CHF 426.20 |
How they moved in this region
Against 2025, SWICA moves by + 8.8 % and CONCORDIA by + 5.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.