CONCORDIA or Mutuel in Region 2 of canton Fribourg?
In Region 2, CONCORDIA is CHF 355.20 a year cheaper than Mutuel 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 482.70 a month, Mutuel to CHF 512.30. The gap is CHF 355.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 450.00 a month. Moving there rather than to CONCORDIA is worth CHF 392.40 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 15 and Mutuel ranks 21, out of 23 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 | CONCORDIA | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 558.00 | CHF 609.90 | − 51.90 |
| 500 | CHF 546.40 | CHF 598.40 | − 52.00 |
| 1'000 | CHF 517.20 | CHF 569.40 | − 52.20 |
| 1'500 | CHF 488.00 | CHF 539.90 | − 51.90 |
| 2'000 | CHF 458.90 | CHF 510.90 | − 52.00 |
| 2'500 | CHF 429.70 | CHF 481.90 | − 52.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | Mutuel |
|---|---|---|
| Other model | CHF 482.70 | CHF 521.40 |
| HMO practice | CHF 482.70 | CHF 512.30 |
| Family doctor | CHF 491.10 | CHF 555.00 |
| Free choice of doctor | CHF 558.00 | CHF 609.90 |
How they moved in this region
Against 2025, CONCORDIA moves by + 8.9 % and Mutuel by + 3.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.