Visana or CONCORDIA in Region 2 of canton Grisons?
In Region 2, CONCORDIA is CHF 464.40 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 445.60 a month, Visana to CHF 484.30. The gap is CHF 464.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to CONCORDIA is worth CHF 331.20 more a year. Agrisano
Where they stand in the region
Visana ranks 19 and CONCORDIA ranks 5, 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 576.50 | CHF 521.10 | + 55.40 |
| 500 | CHF 569.80 | CHF 509.50 | + 60.30 |
| 1'000 | CHF 535.70 | CHF 480.30 | + 55.40 |
| 1'500 | CHF 506.50 | CHF 451.10 | + 55.40 |
| 2'000 | CHF 477.30 | CHF 422.00 | + 55.30 |
| 2'500 | CHF 448.20 | CHF 392.80 | + 55.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | CONCORDIA |
|---|---|---|
| Family doctor | CHF 484.30 | CHF 461.20 |
| HMO practice | CHF 484.30 | CHF 445.60 |
| Other model | CHF 490.10 | CHF 445.60 |
| Free choice of doctor | CHF 576.50 | CHF 521.10 |
How they moved in this region
Against 2025, Visana moves by + 2.8 % and CONCORDIA by + 5.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.