CSS or SWICA in Region 1 of canton Fribourg?
In Region 1, SWICA is CHF 106.80 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
SWICA comes down to CHF 513.10 a month, CSS to CHF 522.00. The gap is CHF 106.80 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 SWICA is worth CHF 144.00 more a year. Vivao Sympany
Where they stand in the region
CSS ranks 14 and SWICA ranks 6, 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 | SWICA | Gap |
|---|---|---|---|
| 300 | CHF 607.00 | CHF 618.10 | − 11.10 |
| 500 | CHF 595.40 | CHF 606.50 | − 11.10 |
| 1'000 | CHF 566.20 | CHF 577.30 | − 11.10 |
| 1'500 | CHF 537.00 | CHF 548.10 | − 11.10 |
| 2'000 | CHF 507.90 | CHF 519.00 | − 11.10 |
| 2'500 | CHF 478.70 | CHF 489.80 | − 11.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | SWICA |
|---|---|---|
| Family doctor | CHF 522.00 | CHF 513.10 |
| Other model | CHF 546.30 | CHF 581.10 |
| Free choice of doctor | CHF 607.00 | CHF 618.10 |
| HMO practice | — | CHF 519.30 |
How they moved in this region
Against 2025, CSS moves by + 3.1 % and SWICA by + 0.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.