SWICA or CONCORDIA in Region 2 of canton Fribourg?
In Region 2, SWICA is CHF 21.60 a year cheaper than CONCORDIA 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 480.90 a month, CONCORDIA to CHF 482.70. The gap is CHF 21.60 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 SWICA is worth CHF 370.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 13 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 | SWICA | CONCORDIA | Gap |
|---|---|---|---|
| 300 | CHF 572.50 | CHF 558.00 | + 14.50 |
| 500 | CHF 560.90 | CHF 546.40 | + 14.50 |
| 1'000 | CHF 531.70 | CHF 517.20 | + 14.50 |
| 1'500 | CHF 502.50 | CHF 488.00 | + 14.50 |
| 2'000 | CHF 473.40 | CHF 458.90 | + 14.50 |
| 2'500 | CHF 444.20 | CHF 429.70 | + 14.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | CONCORDIA |
|---|---|---|
| Family doctor | CHF 480.90 | CHF 491.10 |
| HMO practice | CHF 492.40 | CHF 482.70 |
| Other model | CHF 538.20 | CHF 482.70 |
| Free choice of doctor | CHF 572.50 | CHF 558.00 |
How they moved in this region
Against 2025, SWICA moves by + 0.9 % and CONCORDIA by + 8.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.