SWICA or Visana in Region 1 of canton Grisons?
In Region 1, SWICA is CHF 265.20 a year cheaper than Visana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
SWICA comes down to CHF 492.50 a month, Visana to CHF 514.60. The gap is CHF 265.20 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 SWICA is worth CHF 466.80 more a year. Sanitas
Where they stand in the region
SWICA ranks 11 and Visana ranks 19, 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 | Visana | Gap |
|---|---|---|---|
| 300 | CHF 586.30 | CHF 612.60 | − 26.30 |
| 500 | CHF 574.70 | CHF 605.90 | − 31.20 |
| 1'000 | CHF 545.50 | CHF 571.80 | − 26.30 |
| 1'500 | CHF 516.30 | CHF 542.60 | − 26.30 |
| 2'000 | CHF 487.20 | CHF 513.40 | − 26.20 |
| 2'500 | CHF 458.00 | CHF 484.30 | − 26.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Visana |
|---|---|---|
| Family doctor | CHF 492.50 | CHF 514.60 |
| Other model | CHF 551.20 | CHF 520.80 |
| Free choice of doctor | CHF 586.30 | CHF 612.60 |
| HMO practice | — | CHF 514.60 |
How they moved in this region
Against 2025, SWICA moves by + 6.3 % and Visana by + 2.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.