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SWICA or Assura-Basis in Region 1 of canton Fribourg?

In Region 1, SWICA is CHF 105.60 a year cheaper than Assura-Basis for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

SWICA comes down to CHF 513.10 a month, Assura-Basis to CHF 521.90. The gap is CHF 105.60 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 SWICA is worth CHF 144.00 more a year. Vivao Sympany

Where they stand in the region

SWICA ranks 6 and Assura-Basis ranks 13, 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.

DeductibleSWICAAssura-BasisGap
300CHF 618.10CHF 628.70− 10.60
500CHF 606.50CHF 617.10− 10.60
1'000CHF 577.30CHF 587.90− 10.60
1'500CHF 548.10CHF 558.70− 10.60
2'000CHF 519.00CHF 529.60− 10.60
2'500CHF 489.80CHF 500.40− 10.60

Model by model

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

ModelSWICAAssura-Basis
Family doctorCHF 513.10CHF 521.90
HMO practiceCHF 519.30—
Other modelCHF 581.10CHF 540.70
Free choice of doctorCHF 618.10CHF 628.70

How they moved in this region

Against 2025, SWICA moves by + 0.9 % and Assura-Basis by + 4.6 % in this region.

SWICA, Assura-Basis, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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