SWICA or Visana in Region 3 of canton Grisons?
In Region 3, Visana is CHF 60.00 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
Visana comes down to CHF 445.90 a month, SWICA to CHF 450.90. The gap is CHF 60.00 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 Visana is worth CHF 494.40 more a year. vita surselva
Where they stand in the region
SWICA ranks 13 and Visana ranks 12, 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 512.30 | CHF 530.70 | − 18.40 |
| 500 | CHF 500.70 | CHF 524.00 | − 23.30 |
| 1'000 | CHF 471.50 | CHF 489.90 | − 18.40 |
| 1'500 | CHF 442.30 | CHF 460.70 | − 18.40 |
| 2'000 | CHF 413.20 | CHF 431.50 | − 18.30 |
| 2'500 | CHF 384.00 | CHF 402.40 | − 18.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Visana |
|---|---|---|
| Family doctor | CHF 450.90 | CHF 445.90 |
| Other model | CHF 481.60 | CHF 451.20 |
| Free choice of doctor | CHF 512.30 | CHF 530.70 |
| HMO practice | — | CHF 445.90 |
How they moved in this region
Against 2025, SWICA moves by + 8.8 % and Visana by + 2.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.