SWICA or ÖKK in Region 3 of canton Grisons?
In Region 3, ÖKK is CHF 302.40 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 425.70 a month, SWICA to CHF 450.90. The gap is CHF 302.40 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 ÖKK is worth CHF 252.00 more a year. vita surselva
Where they stand in the region
SWICA ranks 13 and ÖKK ranks 5, 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 512.30 | CHF 473.00 | + 39.30 |
| 500 | CHF 500.70 | CHF 461.40 | + 39.30 |
| 1'000 | CHF 471.50 | CHF 432.20 | + 39.30 |
| 1'500 | CHF 442.30 | CHF 403.00 | + 39.30 |
| 2'000 | CHF 413.20 | CHF 373.90 | + 39.30 |
| 2'500 | CHF 384.00 | CHF 344.70 | + 39.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | ÖKK |
|---|---|---|
| Family doctor | CHF 450.90 | CHF 425.70 |
| Other model | CHF 481.60 | CHF 425.70 |
| Free choice of doctor | CHF 512.30 | CHF 473.00 |
| HMO practice | — | CHF 425.70 |
How they moved in this region
Against 2025, SWICA moves by + 8.8 % and ÖKK by + 5.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.