SWICA or Sanitas in Region 2 of canton Grisons?
In Region 2, Sanitas is CHF 20.40 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
Sanitas comes down to CHF 448.30 a month, SWICA to CHF 450.00. The gap is CHF 20.40 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 Sanitas is worth CHF 363.60 more a year. Agrisano
Where they stand in the region
SWICA ranks 9 and Sanitas ranks 7, 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 535.60 | CHF 515.30 | + 20.30 |
| 500 | CHF 524.00 | CHF 503.70 | + 20.30 |
| 1'000 | CHF 494.80 | CHF 474.50 | + 20.30 |
| 1'500 | CHF 465.60 | CHF 445.30 | + 20.30 |
| 2'000 | CHF 436.50 | CHF 416.20 | + 20.30 |
| 2'500 | CHF 407.30 | CHF 387.00 | + 20.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 450.00 | CHF 448.30 |
| Other model | CHF 503.50 | CHF 448.40 |
| Free choice of doctor | CHF 535.60 | CHF 515.30 |
| HMO practice | — | CHF 469.00 |
How they moved in this region
Against 2025, SWICA moves by + 6.4 % and Sanitas by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.