CSS or Mutuel in Region 2 of canton Fribourg?
In Region 2, CSS is CHF 394.80 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 479.40 a month, Mutuel to CHF 512.30. The gap is CHF 394.80 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 Mutuel ranks 21, 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 551.00 | CHF 609.90 | − 58.90 |
| 500 | CHF 539.40 | CHF 598.40 | − 59.00 |
| 1'000 | CHF 510.20 | CHF 569.40 | − 59.20 |
| 1'500 | CHF 481.00 | CHF 539.90 | − 58.90 |
| 2'000 | CHF 451.90 | CHF 510.90 | − 59.00 |
| 2'500 | CHF 422.70 | CHF 481.90 | − 59.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Mutuel |
|---|---|---|
| Family doctor | CHF 479.40 | CHF 555.00 |
| Other model | CHF 493.10 | CHF 521.40 |
| Free choice of doctor | CHF 551.00 | CHF 609.90 |
| HMO practice | — | CHF 512.30 |
How they moved in this region
Against 2025, CSS moves by + 4.7 % and Mutuel by + 3.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.