CSS or Helsana in Region 1 of canton Fribourg?
In Region 1, Helsana is CHF 241.20 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
Helsana comes down to CHF 501.90 a month, CSS to CHF 522.00. The gap is CHF 241.20 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 Helsana is worth CHF 9.60 more a year. Vivao Sympany
Where they stand in the region
CSS ranks 14 and Helsana ranks 2, 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 | Helsana | Gap |
|---|---|---|---|
| 300 | CHF 607.00 | CHF 577.00 | + 30.00 |
| 500 | CHF 595.40 | CHF 565.40 | + 30.00 |
| 1'000 | CHF 566.20 | CHF 536.20 | + 30.00 |
| 1'500 | CHF 537.00 | CHF 507.00 | + 30.00 |
| 2'000 | CHF 507.90 | CHF 477.90 | + 30.00 |
| 2'500 | CHF 478.70 | CHF 448.70 | + 30.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Helsana |
|---|---|---|
| Family doctor | CHF 522.00 | CHF 501.90 |
| Other model | CHF 546.30 | CHF 501.90 |
| Free choice of doctor | CHF 607.00 | CHF 577.00 |
How they moved in this region
Against 2025, CSS moves by + 3.1 % and Helsana by + 1.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.