Visana or CONCORDIA in Region 1 of canton Grisons?
In Region 1, CONCORDIA is CHF 634.80 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
CONCORDIA comes down to CHF 461.70 a month, Visana to CHF 514.60. The gap is CHF 634.80 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 CONCORDIA is worth CHF 97.20 more a year. Sanitas
Where they stand in the region
Visana ranks 19 and CONCORDIA ranks 3, 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 | Visana | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 612.60 | CHF 540.00 | + 72.60 |
| 500 | CHF 605.90 | CHF 528.40 | + 77.50 |
| 1'000 | CHF 571.80 | CHF 499.20 | + 72.60 |
| 1'500 | CHF 542.60 | CHF 470.00 | + 72.60 |
| 2'000 | CHF 513.40 | CHF 440.90 | + 72.50 |
| 2'500 | CHF 484.30 | CHF 411.70 | + 72.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | CONCORDIA |
|---|---|---|
| Family doctor | CHF 514.60 | CHF 477.90 |
| HMO practice | CHF 514.60 | CHF 461.70 |
| Other model | CHF 520.80 | CHF 461.70 |
| Free choice of doctor | CHF 612.60 | CHF 540.00 |
How they moved in this region
Against 2025, Visana moves by + 2.8 % and CONCORDIA by + 7.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.