SWICA or Atupri in Region 2 of canton Fribourg?
In Region 2, Atupri is CHF 81.60 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
Atupri comes down to CHF 474.10 a month, SWICA to CHF 480.90. The gap is CHF 81.60 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 Atupri is worth CHF 289.20 more a year. Agrisano
Where they stand in the region
SWICA ranks 13 and Atupri 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 | SWICA | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 572.50 | CHF 541.80 | + 30.70 |
| 500 | CHF 560.90 | CHF 530.20 | + 30.70 |
| 1'000 | CHF 531.70 | CHF 501.00 | + 30.70 |
| 1'500 | CHF 502.50 | CHF 471.80 | + 30.70 |
| 2'000 | CHF 473.40 | CHF 442.70 | + 30.70 |
| 2'500 | CHF 444.20 | CHF 413.50 | + 30.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Atupri |
|---|---|---|
| Family doctor | CHF 480.90 | CHF 514.70 |
| HMO practice | CHF 492.40 | CHF 490.30 |
| Other model | CHF 538.20 | CHF 474.10 |
| Free choice of doctor | CHF 572.50 | CHF 541.80 |
How they moved in this region
Against 2025, SWICA moves by + 0.9 % and Atupri by + 6.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.