SWICA or Sanitas in Region 1 of canton Grisons?
In Region 1, Sanitas is CHF 466.80 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
Sanitas comes down to CHF 453.60 a month, SWICA to CHF 492.50. The gap is CHF 466.80 a year, 300-franc deductible, accident cover included.
What the question hides
Sanitas is also the cheapest insurer in the region, out of 24 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
SWICA ranks 11 and Sanitas ranks 1, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 586.30 | CHF 539.90 | + 46.40 |
| 500 | CHF 574.70 | CHF 528.30 | + 46.40 |
| 1'000 | CHF 545.50 | CHF 499.10 | + 46.40 |
| 1'500 | CHF 516.30 | CHF 469.90 | + 46.40 |
| 2'000 | CHF 487.20 | CHF 440.80 | + 46.40 |
| 2'500 | CHF 458.00 | CHF 411.60 | + 46.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 492.50 | CHF 469.70 |
| Other model | CHF 551.20 | CHF 453.60 |
| Free choice of doctor | CHF 586.30 | CHF 539.90 |
| HMO practice | — | CHF 491.40 |
How they moved in this region
Against 2025, SWICA moves by + 6.3 % and Sanitas by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.