SWICA or Sanitas in Region 3 of canton Grisons?
In Region 3, Sanitas is CHF 193.80 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 434.75 a month, SWICA to CHF 450.90. The gap is CHF 193.80 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 Sanitas is worth CHF 360.60 more a year. vita surselva
Where they stand in the region
SWICA ranks 13 and Sanitas ranks 9, 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 512.30 | CHF 499.70 | + 12.60 |
| 500 | CHF 500.70 | CHF 488.10 | + 12.60 |
| 1'000 | CHF 471.50 | CHF 458.90 | + 12.60 |
| 1'500 | CHF 442.30 | CHF 429.70 | + 12.60 |
| 2'000 | CHF 413.20 | CHF 400.60 | + 12.60 |
| 2'500 | CHF 384.00 | CHF 371.40 | + 12.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 450.90 | CHF 434.75 |
| Other model | CHF 481.60 | CHF 434.80 |
| Free choice of doctor | CHF 512.30 | CHF 499.70 |
| HMO practice | — | CHF 454.80 |
How they moved in this region
Against 2025, SWICA moves by + 8.8 % and Sanitas by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.