CSS or Visana in Region 2 of canton Fribourg?
In Region 2, Visana is CHF 170.40 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 465.20 a month, CSS to CHF 479.40. The gap is CHF 170.40 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 Visana is worth CHF 182.40 more a year. Agrisano
Where they stand in the region
CSS ranks 10 and Visana ranks 4, 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 551.00 | CHF 532.80 | + 18.20 |
| 500 | CHF 539.40 | CHF 526.10 | + 13.30 |
| 1'000 | CHF 510.20 | CHF 492.00 | + 18.20 |
| 1'500 | CHF 481.00 | CHF 462.80 | + 18.20 |
| 2'000 | CHF 451.90 | CHF 433.60 | + 18.30 |
| 2'500 | CHF 422.70 | CHF 404.50 | + 18.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Visana |
|---|---|---|
| Family doctor | CHF 479.40 | CHF 468.90 |
| Other model | CHF 493.10 | CHF 465.70 |
| Free choice of doctor | CHF 551.00 | CHF 532.80 |
| HMO practice | — | CHF 465.20 |
How they moved in this region
Against 2025, CSS moves by + 4.7 % and Visana by + 2.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.