SWICA or KPT in Region 2 of canton Grisons?

In Region 2, KPT is CHF 25.20 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 447.90 a month, SWICA to CHF 450.00. The gap is CHF 25.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to KPT is worth CHF 358.80 more a year. Agrisano

SWICA ranks 9 and KPT ranks 6, out of 24 active insurers in this region.

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 535.60	CHF 538.10	− 2.50
500	CHF 524.00	CHF 526.50	− 2.50
1'000	CHF 494.80	CHF 497.30	− 2.50
1'500	CHF 465.60	CHF 468.10	− 2.50
2'000	CHF 436.50	—	—
2'500	CHF 407.30	CHF 409.80	− 2.50

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

Against 2025, SWICA moves by + 6.4 % and KPT by + 4.2 % in this region.

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