CSS or Mutuel in Region 1 of canton Fribourg?
In Region 1, CSS is CHF 241.20 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
CSS comes down to CHF 522.00 a month, Mutuel to CHF 542.10. 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 CSS is worth CHF 250.80 more a year. Vivao Sympany
Where they stand in the region
CSS ranks 14 and Mutuel ranks 18, 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 607.00 | CHF 645.30 | − 38.30 |
| 500 | CHF 595.40 | CHF 633.80 | − 38.40 |
| 1'000 | CHF 566.20 | CHF 604.80 | − 38.60 |
| 1'500 | CHF 537.00 | CHF 575.30 | − 38.30 |
| 2'000 | CHF 507.90 | CHF 546.30 | − 38.40 |
| 2'500 | CHF 478.70 | CHF 517.30 | − 38.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Mutuel |
|---|---|---|
| Family doctor | CHF 522.00 | CHF 587.30 |
| Other model | CHF 546.30 | CHF 551.80 |
| Free choice of doctor | CHF 607.00 | CHF 645.30 |
| HMO practice | — | CHF 542.10 |
How they moved in this region
Against 2025, CSS moves by + 3.1 % and Mutuel by + 3.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.