SWICA — Region 3 of canton Grisons, 2026 premiums
SWICA covers the 40 municipalities of Region 3 in canton Grisons. Its lowest adult premium here is CHF 300.00 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
SWICA ranks 13 out of 24 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 446.36 a month.
What staying costs
Moving from SWICA to vita surselva, the cheapest insurer in this region, saves CHF 554.40 a year for an adult on the same profile.
The full SWICA table
240 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 512.30 | CHF 450.90 | CHF 481.60 |
| 500 | CHF 500.70 | CHF 439.20 | CHF 469.90 |
| 1'000 | CHF 471.50 | CHF 415.20 | CHF 445.90 |
| 1'500 | CHF 442.30 | CHF 386.00 | CHF 416.70 |
| 2'000 | CHF 413.20 | CHF 351.70 | CHF 387.60 |
| 2'500 | CHF 384.00 | CHF 322.50 | CHF 358.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 384.30 | CHF 345.90 | CHF 372.80 |
| 500 | CHF 372.70 | CHF 334.30 | CHF 361.20 |
| 1'000 | CHF 343.50 | CHF 308.90 | CHF 332.00 |
| 1'500 | CHF 314.30 | CHF 279.80 | CHF 302.80 |
| 2'000 | CHF 285.20 | CHF 246.80 | CHF 273.70 |
| 2'500 | CHF 256.00 | CHF 217.60 | CHF 244.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 51.30 | CHF 47.80 | CHF 51.30 |
| 200 | CHF 41.10 | CHF 39.00 | CHF 41.10 |
| 400 | CHF 30.80 | CHF 29.30 | CHF 30.80 |
| 600 | CHF 27.60 | CHF 27.60 | CHF 27.60 |
With or without accident cover
With accident cover: CHF 512.30 a month. Without: CHF 476.50. Dropping it saves CHF 429.60 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 414.30 in 2025 to CHF 300.00 — a rise of 8.8 %.
The 40 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Grisons, not to the municipality.
Albula/Alvra · Andeer · Avers · Bergün Filisur · Breil/Brigels · Cazis · Disentis/Mustér · Domleschg · Falera · Ferrera · Flerden · Fürstenau · Ilanz/Glion · Laax · Lantsch/Lenz · Lumnezia · Masein · Medel (Lucmagn) · Muntogna da Schons · Obersaxen Mundaun · Rheinwald · Rongellen · Rothenbrunnen · Safiental · Sagogn · Scharans · Schluein · Schmitten (GR) · Sils im Domleschg · Sufers · Sumvitg · Surses · Thusis · Trun · Tschappina · Tujetsch · Urmein · Vals · Vaz/Obervaz · Zillis-Reischen
The other insurers in Region 3
24 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| vita surselva | CHF 404.70 | View |
| Agrisano | CHF 407.10 | View |
| curaulta | CHF 407.90 | View |
| Sumiswalder | CHF 424.60 | View |
| ÖKK | CHF 425.70 | View |
| CONCORDIA | CHF 426.20 | View |
| CSS | CHF 427.60 | View |
| Vivao Sympany | CHF 429.00 | View |
| Sanitas | CHF 434.75 | View |
| sana24 | CHF 436.20 | View |
| Helsana | CHF 441.80 | View |
| Visana | CHF 445.90 | View |
| Assura-Basis | CHF 451.00 | View |
| rhenusana | CHF 455.40 | View |
| Mutuel | CHF 455.60 | View |
| KPT | CHF 460.00 | View |
| Philos | CHF 461.00 | View |
| Aquilana | CHF 466.20 | View |
| EGK | CHF 467.90 | View |
| Atupri | CHF 468.00 | View |
| Avenir | CHF 483.00 | View |
| Galenos | CHF 488.30 | View |
| SLKK | CHF 493.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums.