Visana or CONCORDIA in Region 3 of canton Grisons?
In Region 3, CONCORDIA is CHF 236.40 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 426.20 a month, Visana to CHF 445.90. The gap is CHF 236.40 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 CONCORDIA is worth CHF 258.00 more a year. vita surselva
Where they stand in the region
Visana ranks 12 and CONCORDIA ranks 6, 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 530.70 | CHF 498.40 | + 32.30 |
| 500 | CHF 524.00 | CHF 486.80 | + 37.20 |
| 1'000 | CHF 489.90 | CHF 457.60 | + 32.30 |
| 1'500 | CHF 460.70 | CHF 428.40 | + 32.30 |
| 2'000 | CHF 431.50 | CHF 399.30 | + 32.20 |
| 2'500 | CHF 402.40 | CHF 370.10 | + 32.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | CONCORDIA |
|---|---|---|
| Family doctor | CHF 445.90 | CHF 441.10 |
| HMO practice | CHF 445.90 | CHF 426.20 |
| Other model | CHF 451.20 | CHF 426.20 |
| Free choice of doctor | CHF 530.70 | CHF 498.40 |
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.