Sanitas or CONCORDIA in Region 2 of canton Fribourg?
In Region 2, CONCORDIA is CHF 220.80 a year cheaper than Sanitas for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CONCORDIA comes down to CHF 482.70 a month, Sanitas to CHF 501.10. The gap is CHF 220.80 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 CONCORDIA is worth CHF 392.40 more a year. Agrisano
Where they stand in the region
Sanitas ranks 17 and CONCORDIA ranks 15, 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 | Sanitas | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 576.00 | CHF 558.00 | + 18.00 |
| 500 | CHF 564.40 | CHF 546.40 | + 18.00 |
| 1'000 | CHF 535.20 | CHF 517.20 | + 18.00 |
| 1'500 | CHF 506.00 | CHF 488.00 | + 18.00 |
| 2'000 | CHF 476.90 | CHF 458.90 | + 18.00 |
| 2'500 | CHF 447.70 | CHF 429.70 | + 18.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | CONCORDIA |
|---|---|---|
| Family doctor | CHF 501.10 | CHF 491.10 |
| Other model | CHF 518.40 | CHF 482.70 |
| HMO practice | CHF 524.20 | CHF 482.70 |
| Free choice of doctor | CHF 576.00 | CHF 558.00 |
How they moved in this region
Against 2025, Sanitas moves by + 4.6 % and CONCORDIA by + 8.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.