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SWICA or EGK in Region 2 of canton Grisons?

In Region 2, SWICA is CHF 777.60 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 450.00 a month, EGK to CHF 514.80. The gap is CHF 777.60 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 SWICA is worth CHF 384.00 more a year. Agrisano

Where they stand in the region

SWICA ranks 9 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 535.60CHF 584.90− 49.30
500CHF 524.00CHF 573.30− 49.30
1'000CHF 494.80CHF 544.10− 49.30
1'500CHF 465.60CHF 514.90− 49.30
2'000CHF 436.50CHF 485.80− 49.30
2'500CHF 407.30CHF 456.60− 49.30

Model by model

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

ModelSWICAEGK
Family doctorCHF 450.00CHF 545.90
Other modelCHF 503.50CHF 514.80
Free choice of doctorCHF 535.60CHF 584.90

How they moved in this region

Against 2025, SWICA moves by + 6.4 % and EGK by + 3.1 % 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.