CSS or Helsana in Region 2 of canton Fribourg?
In Region 2, Helsana is CHF 20.40 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 477.70 a month, CSS to CHF 479.40. The gap is CHF 20.40 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 Helsana is worth CHF 332.40 more a year. Agrisano
Where they stand in the region
CSS ranks 10 and Helsana 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 | Helsana | Gap |
|---|---|---|---|
| 300 | CHF 551.00 | CHF 562.00 | − 11.00 |
| 500 | CHF 539.40 | CHF 550.40 | − 11.00 |
| 1'000 | CHF 510.20 | CHF 521.20 | − 11.00 |
| 1'500 | CHF 481.00 | CHF 492.00 | − 11.00 |
| 2'000 | CHF 451.90 | CHF 462.90 | − 11.00 |
| 2'500 | CHF 422.70 | CHF 433.70 | − 11.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Helsana |
|---|---|---|
| Family doctor | CHF 479.40 | CHF 488.90 |
| Other model | CHF 493.10 | CHF 477.70 |
| Free choice of doctor | CHF 551.00 | CHF 562.00 |
How they moved in this region
Against 2025, CSS moves by + 4.7 % and Helsana by + 4.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.