SWICA or Mutuel in Region 1 of canton Grisons?
In Region 1, Mutuel is CHF 156.00 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
Mutuel comes down to CHF 479.50 a month, SWICA to CHF 492.50. The gap is CHF 156.00 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 Mutuel is worth CHF 310.80 more a year. Sanitas
Where they stand in the region
SWICA ranks 11 and Mutuel ranks 9, 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 586.30 | CHF 548.00 | + 38.30 |
| 500 | CHF 574.70 | CHF 536.50 | + 38.20 |
| 1'000 | CHF 545.50 | CHF 507.50 | + 38.00 |
| 1'500 | CHF 516.30 | CHF 478.00 | + 38.30 |
| 2'000 | CHF 487.20 | CHF 449.00 | + 38.20 |
| 2'500 | CHF 458.00 | CHF 420.00 | + 38.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Mutuel |
|---|---|---|
| Family doctor | CHF 492.50 | CHF 498.70 |
| Other model | CHF 551.20 | CHF 479.50 |
| Free choice of doctor | CHF 586.30 | CHF 548.00 |
| HMO practice | — | CHF 482.30 |
How they moved in this region
Against 2025, SWICA moves by + 6.3 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.