SWICA or KPT in Region 3 of canton Grisons?
In Region 3, SWICA is CHF 109.20 a year cheaper than KPT 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, KPT to CHF 460.00. The gap is CHF 109.20 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 KPT ranks 17, 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 512.30 | CHF 542.90 | − 30.60 |
| 500 | CHF 500.70 | CHF 531.30 | − 30.60 |
| 1'000 | CHF 471.50 | CHF 502.10 | − 30.60 |
| 1'500 | CHF 442.30 | CHF 472.90 | − 30.60 |
| 2'000 | CHF 413.20 | — | — |
| 2'500 | CHF 384.00 | CHF 414.60 | − 30.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | KPT |
|---|---|---|
| Family doctor | CHF 450.90 | CHF 460.00 |
| Other model | CHF 481.60 | CHF 460.00 |
| Free choice of doctor | CHF 512.30 | CHF 542.90 |
| HMO practice | — | CHF 480.70 |
How they moved in this region
Against 2025, SWICA moves by + 8.8 % and KPT by + 6.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.