CSS or Visana in Region 1 of canton Fribourg?
In Region 1, Visana is CHF 160.80 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
Visana comes down to CHF 508.60 a month, CSS to CHF 522.00. The gap is CHF 160.80 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 Visana is worth CHF 90.00 more a year. Vivao Sympany
Where they stand in the region
CSS ranks 14 and Visana ranks 5, 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 | Visana | Gap |
|---|---|---|---|
| 300 | CHF 607.00 | CHF 592.00 | + 15.00 |
| 500 | CHF 595.40 | CHF 585.30 | + 10.10 |
| 1'000 | CHF 566.20 | CHF 551.20 | + 15.00 |
| 1'500 | CHF 537.00 | CHF 522.00 | + 15.00 |
| 2'000 | CHF 507.90 | CHF 492.80 | + 15.10 |
| 2'500 | CHF 478.70 | CHF 463.70 | + 15.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Visana |
|---|---|---|
| Family doctor | CHF 522.00 | CHF 521.00 |
| Other model | CHF 546.30 | CHF 508.60 |
| Free choice of doctor | CHF 607.00 | CHF 592.00 |
| HMO practice | — | CHF 521.00 |
How they moved in this region
Against 2025, CSS moves by + 3.1 % and Visana by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.