SWICA or Mutuel in Region 2 of canton Grisons?
In Region 2, SWICA is CHF 211.20 a year cheaper than Mutuel 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 450.00 a month, Mutuel to CHF 467.60. The gap is CHF 211.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to SWICA is worth CHF 384.00 more a year. Agrisano
Where they stand in the region
SWICA ranks 9 and Mutuel ranks 12, 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 535.60 | CHF 534.30 | + 1.30 |
| 500 | CHF 524.00 | CHF 522.80 | + 1.20 |
| 1'000 | CHF 494.80 | CHF 493.80 | + 1.00 |
| 1'500 | CHF 465.60 | CHF 464.30 | + 1.30 |
| 2'000 | CHF 436.50 | CHF 435.30 | + 1.20 |
| 2'500 | CHF 407.30 | CHF 406.30 | + 1.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Mutuel |
|---|---|---|
| Family doctor | CHF 450.00 | CHF 486.30 |
| Other model | CHF 503.50 | CHF 467.60 |
| Free choice of doctor | CHF 535.60 | CHF 534.30 |
| HMO practice | — | CHF 470.20 |
How they moved in this region
Against 2025, SWICA moves by + 6.4 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.