SWICA — Region 3, Grisons: twelve years of premiums
Region 3, Grisons: the lowest SWICA premium went from CHF 289.20 a month in 2015 to CHF 450.90 in 2026 — a rise of +55.9 %. The table below places it next to this region's cheapest insurer, year by year.
| Year | This insurer | The cheapest | Gap |
|---|---|---|---|
| 2015 | CHF 289.20 | CHF 227.80 | CHF 61.40 |
| 2016 | CHF 285.70 | CHF 237.30 | CHF 48.40 |
| 2017 | CHF 296.00 | CHF 274.55 | CHF 21.45 |
| 2018 | CHF 313.30 | CHF 277.60 | CHF 35.70 |
| 2019 | CHF 318.60 | CHF 305.20 | CHF 13.40 |
| 2020 | CHF 329.30 | CHF 315.90 | CHF 13.40 |
| 2021 | CHF 321.10 | CHF 321.10 | — |
| 2022 | CHF 324.20 | CHF 320.50 | CHF 3.70 |
| 2023 | CHF 365.10 | CHF 322.00 | CHF 43.10 |
| 2024 | CHF 405.10 | CHF 347.00 | CHF 58.10 |
| 2025 | CHF 414.30 | CHF 388.00 | CHF 26.30 |
| 2026 | CHF 450.90 | CHF 404.70 | CHF 46.20 |
Faster or slower than the rest?
SWICA rose +55.9 % over the period, against +77.7 % for the cheapest insurer in the same place. The gap narrowed — which does not mean this insurer is the cheapest today, only that it climbed more slowly.
The year that hurt — The steepest year-on-year jump was 2023: +12.6 % in one go.
Figures for an adult, CHF 300 deductible, accident cover included — the only profile defined identically across all twelve years. Each year this is the lowest premium the insurer offered, all models combined.
SWICA, canton by canton
Other insurers
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.