SWICA or EGK in Region 3 of canton Grisons?
In Region 3, SWICA is CHF 204.00 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 450.90 a month, EGK to CHF 467.90. The gap is CHF 204.00 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 SWICA is worth CHF 554.40 more a year. vita surselva
Where they stand in the region
SWICA ranks 13 and EGK ranks 20, 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 | EGK | Gap |
|---|---|---|---|
| 300 | CHF 512.30 | CHF 544.00 | − 31.70 |
| 500 | CHF 500.70 | CHF 532.30 | − 31.60 |
| 1'000 | CHF 471.50 | CHF 503.20 | − 31.70 |
| 1'500 | CHF 442.30 | CHF 474.00 | − 31.70 |
| 2'000 | CHF 413.20 | CHF 444.80 | − 31.60 |
| 2'500 | CHF 384.00 | CHF 415.70 | − 31.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | EGK |
|---|---|---|
| Family doctor | CHF 450.90 | CHF 470.60 |
| Other model | CHF 481.60 | CHF 467.90 |
| Free choice of doctor | CHF 512.30 | CHF 544.00 |
How they moved in this region
Against 2025, SWICA moves by + 8.8 % and EGK by + 2.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.