CSS or Sanitas in Region 2 of canton Fribourg?
In Region 2, CSS is CHF 260.40 a year cheaper than Sanitas 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, Sanitas to CHF 501.10. The gap is CHF 260.40 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 CSS is worth CHF 352.80 more a year. Agrisano
Where they stand in the region
CSS ranks 10 and Sanitas ranks 17, 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 551.00 | CHF 576.00 | − 25.00 |
| 500 | CHF 539.40 | CHF 564.40 | − 25.00 |
| 1'000 | CHF 510.20 | CHF 535.20 | − 25.00 |
| 1'500 | CHF 481.00 | CHF 506.00 | − 25.00 |
| 2'000 | CHF 451.90 | CHF 476.90 | − 25.00 |
| 2'500 | CHF 422.70 | CHF 447.70 | − 25.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 479.40 | CHF 501.10 |
| Other model | CHF 493.10 | CHF 518.40 |
| Free choice of doctor | CHF 551.00 | CHF 576.00 |
| HMO practice | — | CHF 524.20 |
How they moved in this region
Against 2025, CSS moves by + 4.7 % and Sanitas by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.