SWICA or Visana in Region 2 of canton Grisons?

In Region 2, SWICA is CHF 411.60 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 450.00 a month, Visana to CHF 484.30. The gap is CHF 411.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to SWICA is worth CHF 384.00 more a year. Agrisano

SWICA ranks 9 and Visana ranks 19, out of 24 active insurers in this region.

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 535.60	CHF 576.50	− 40.90
500	CHF 524.00	CHF 569.80	− 45.80
1'000	CHF 494.80	CHF 535.70	− 40.90
1'500	CHF 465.60	CHF 506.50	− 40.90
2'000	CHF 436.50	CHF 477.30	− 40.80
2'500	CHF 407.30	CHF 448.20	− 40.90

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, SWICA moves by + 6.4 % and Visana by + 2.8 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.