Helsana or SWICA in Region 1 of canton Fribourg?

In Region 1, Helsana is CHF 134.40 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

Helsana comes down to CHF 501.90 a month, SWICA to CHF 513.10. The gap is CHF 134.40 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 Helsana is worth CHF 9.60 more a year. Vivao Sympany

Where they stand in the region

Helsana ranks 2 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	Helsana	SWICA	Gap
300	CHF 577.00	CHF 618.10	− 41.10
500	CHF 565.40	CHF 606.50	− 41.10
1'000	CHF 536.20	CHF 577.30	− 41.10
1'500	CHF 507.00	CHF 548.10	− 41.10
2'000	CHF 477.90	CHF 519.00	− 41.10
2'500	CHF 448.70	CHF 489.80	− 41.10

Model by model

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

Model	Helsana	SWICA
Other model	CHF 501.90	CHF 581.10
Family doctor	CHF 501.90	CHF 513.10
Free choice of doctor	CHF 577.00	CHF 618.10
HMO practice	—	CHF 519.30

How they moved in this region

Against 2025, Helsana moves by + 1.5 % and SWICA by + 0.9 % in this region.

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