SWICA or KPT in Region 1 of canton Grisons?
In Region 1, KPT is CHF 380.40 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
KPT comes down to CHF 460.80 a month, SWICA to CHF 492.50. The gap is CHF 380.40 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 KPT is worth CHF 86.40 more a year. Sanitas
Where they stand in the region
SWICA ranks 11 and KPT ranks 2, 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 | KPT | Gap |
|---|---|---|---|
| 300 | CHF 586.30 | CHF 543.90 | + 42.40 |
| 500 | CHF 574.70 | CHF 532.30 | + 42.40 |
| 1'000 | CHF 545.50 | CHF 503.10 | + 42.40 |
| 1'500 | CHF 516.30 | CHF 473.90 | + 42.40 |
| 2'000 | CHF 487.20 | — | — |
| 2'500 | CHF 458.00 | CHF 415.60 | + 42.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | KPT |
|---|---|---|
| Family doctor | CHF 492.50 | CHF 481.60 |
| Other model | CHF 551.20 | CHF 460.80 |
| Free choice of doctor | CHF 586.30 | CHF 543.90 |
| HMO practice | — | CHF 473.20 |
How they moved in this region
Against 2025, SWICA moves by + 6.3 % and KPT by + 2.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.