CSS or CONCORDIA in Region 2 of canton Fribourg?
In Region 2, CSS is CHF 39.60 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CSS comes down to CHF 479.40 a month, CONCORDIA to CHF 482.70. The gap is CHF 39.60 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 CSS is worth CHF 352.80 more a year. Agrisano
Where they stand in the region
CSS ranks 10 and CONCORDIA ranks 15, 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 551.00 | CHF 558.00 | − 7.00 |
| 500 | CHF 539.40 | CHF 546.40 | − 7.00 |
| 1'000 | CHF 510.20 | CHF 517.20 | − 7.00 |
| 1'500 | CHF 481.00 | CHF 488.00 | − 7.00 |
| 2'000 | CHF 451.90 | CHF 458.90 | − 7.00 |
| 2'500 | CHF 422.70 | CHF 429.70 | − 7.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | CONCORDIA |
|---|---|---|
| Family doctor | CHF 479.40 | CHF 491.10 |
| Other model | CHF 493.10 | CHF 482.70 |
| Free choice of doctor | CHF 551.00 | CHF 558.00 |
| HMO practice | — | CHF 482.70 |
How they moved in this region
Against 2025, CSS moves by + 4.7 % and CONCORDIA by + 8.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.