Sanitas or Mutuel in Region 2 of canton Fribourg?
In Region 2, Sanitas is CHF 134.40 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Sanitas comes down to CHF 501.10 a month, Mutuel to CHF 512.30. 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 Agrisano, at CHF 450.00 a month. Moving there rather than to Sanitas is worth CHF 613.20 more a year. Agrisano
Where they stand in the region
Sanitas ranks 17 and Mutuel ranks 21, 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 576.00 | CHF 609.90 | − 33.90 |
| 500 | CHF 564.40 | CHF 598.40 | − 34.00 |
| 1'000 | CHF 535.20 | CHF 569.40 | − 34.20 |
| 1'500 | CHF 506.00 | CHF 539.90 | − 33.90 |
| 2'000 | CHF 476.90 | CHF 510.90 | − 34.00 |
| 2'500 | CHF 447.70 | CHF 481.90 | − 34.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Mutuel |
|---|---|---|
| Family doctor | CHF 501.10 | CHF 555.00 |
| Other model | CHF 518.40 | CHF 521.40 |
| HMO practice | CHF 524.20 | CHF 512.30 |
| Free choice of doctor | CHF 576.00 | CHF 609.90 |
How they moved in this region
Against 2025, Sanitas moves by + 4.6 % and Mutuel by + 3.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.