CSS or SWICA in Region 2 of canton Fribourg?

In Region 2, CSS is CHF 18.00 a year cheaper than SWICA 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, SWICA to CHF 480.90. The gap is CHF 18.00 a year, 300-franc deductible, accident cover included.

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

CSS ranks 10 and SWICA ranks 13, out of 23 active insurers in this region.

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 551.00	CHF 572.50	− 21.50
500	CHF 539.40	CHF 560.90	− 21.50
1'000	CHF 510.20	CHF 531.70	− 21.50
1'500	CHF 481.00	CHF 502.50	− 21.50
2'000	CHF 451.90	CHF 473.40	− 21.50
2'500	CHF 422.70	CHF 444.20	− 21.50

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, CSS moves by + 4.7 % and SWICA by + 0.9 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.