SWICA or ÖKK in Region 1 of canton Grisons?
In Region 1, ÖKK is CHF 348.00 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
ÖKK comes down to CHF 463.50 a month, SWICA to CHF 492.50. The gap is CHF 348.00 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 ÖKK is worth CHF 118.80 more a year. Sanitas
Where they stand in the region
SWICA ranks 11 and ÖKK ranks 4, 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 586.30 | CHF 515.00 | + 71.30 |
| 500 | CHF 574.70 | CHF 503.40 | + 71.30 |
| 1'000 | CHF 545.50 | CHF 474.20 | + 71.30 |
| 1'500 | CHF 516.30 | CHF 445.00 | + 71.30 |
| 2'000 | CHF 487.20 | CHF 415.90 | + 71.30 |
| 2'500 | CHF 458.00 | CHF 386.70 | + 71.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | ÖKK |
|---|---|---|
| Family doctor | CHF 492.50 | CHF 463.50 |
| Other model | CHF 551.20 | CHF 463.50 |
| Free choice of doctor | CHF 586.30 | CHF 515.00 |
| HMO practice | — | CHF 463.50 |
How they moved in this region
Against 2025, SWICA moves by + 6.3 % and ÖKK by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.