CSS or CONCORDIA in Region 1 of canton Fribourg?
In Region 1, CONCORDIA is CHF 100.80 a year cheaper than CSS 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 513.60 a month, CSS to CHF 522.00. The gap is CHF 100.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Vivao Sympany, at CHF 501.10 a month. Moving there rather than to CONCORDIA is worth CHF 150.00 more a year. Vivao Sympany
Where they stand in the region
CSS ranks 14 and CONCORDIA ranks 7, 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 | CSS | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 607.00 | CHF 593.70 | + 13.30 |
| 500 | CHF 595.40 | CHF 582.10 | + 13.30 |
| 1'000 | CHF 566.20 | CHF 552.90 | + 13.30 |
| 1'500 | CHF 537.00 | CHF 523.70 | + 13.30 |
| 2'000 | CHF 507.90 | CHF 494.60 | + 13.30 |
| 2'500 | CHF 478.70 | CHF 465.40 | + 13.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 522.00 | CHF 522.50 |
| Other model | CHF 546.30 | CHF 513.60 |
| Free choice of doctor | CHF 607.00 | CHF 593.70 |
| HMO practice | — | CHF 513.60 |
How they moved in this region
Against 2025, CSS moves by + 3.1 % and CONCORDIA by + 7.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.