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SWICA or EGK in Region 1 of canton Grisons?

In Region 1, SWICA is CHF 667.20 a year cheaper than EGK 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, EGK to CHF 548.10. The gap is CHF 667.20 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 SWICA is worth CHF 466.80 more a year. Sanitas

Where they stand in the region

SWICA ranks 11 and EGK ranks 22, 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.

DeductibleSWICAEGKGap
300CHF 586.30CHF 622.20− 35.90
500CHF 574.70CHF 610.60− 35.90
1'000CHF 545.50CHF 581.40− 35.90
1'500CHF 516.30CHF 552.20− 35.90
2'000CHF 487.20CHF 523.10− 35.90
2'500CHF 458.00CHF 493.90− 35.90

Model by model

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

ModelSWICAEGK
Family doctorCHF 492.50CHF 603.60
Other modelCHF 551.20CHF 548.10
Free choice of doctorCHF 586.30CHF 622.20

How they moved in this region

Against 2025, SWICA moves by + 6.3 % and EGK by + 2.7 % in this region.

SWICA, EGK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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