CSS or Sanitas in Region 1 of canton Fribourg?
In Region 1, Sanitas is CHF 219.00 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
Sanitas comes down to CHF 503.75 a month, CSS to CHF 522.00. The gap is CHF 219.00 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 Sanitas is worth CHF 31.80 more a year. Vivao Sympany
Where they stand in the region
CSS ranks 14 and Sanitas ranks 3, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 607.00 | CHF 579.00 | + 28.00 |
| 500 | CHF 595.40 | CHF 567.40 | + 28.00 |
| 1'000 | CHF 566.20 | CHF 538.20 | + 28.00 |
| 1'500 | CHF 537.00 | CHF 509.00 | + 28.00 |
| 2'000 | CHF 507.90 | CHF 479.90 | + 28.00 |
| 2'500 | CHF 478.70 | CHF 450.70 | + 28.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 522.00 | CHF 503.75 |
| Other model | CHF 546.30 | CHF 521.10 |
| Free choice of doctor | CHF 607.00 | CHF 579.00 |
| HMO practice | — | CHF 526.90 |
How they moved in this region
Against 2025, CSS moves by + 3.1 % and Sanitas by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.