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SWICA or EGK in Region 2 of canton Fribourg?

In Region 2, EGK is CHF 33.60 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

EGK comes down to CHF 478.10 a month, SWICA to CHF 480.90. The gap is CHF 33.60 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 EGK is worth CHF 337.20 more a year. Agrisano

Where they stand in the region

SWICA ranks 13 and EGK ranks 9, 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.

DeductibleSWICAEGKGap
300CHF 572.50CHF 553.10+ 19.40
500CHF 560.90CHF 541.40+ 19.50
1'000CHF 531.70CHF 512.20+ 19.50
1'500CHF 502.50CHF 483.10+ 19.40
2'000CHF 473.40CHF 453.90+ 19.50
2'500CHF 444.20CHF 424.70+ 19.50

Model by model

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

ModelSWICAEGK
Family doctorCHF 480.90CHF 484.00
HMO practiceCHF 492.40—
Other modelCHF 538.20CHF 478.10
Free choice of doctorCHF 572.50CHF 553.10

How they moved in this region

Against 2025, SWICA moves by + 0.9 % and EGK by + 0.6 % in this region.

SWICA, EGK, 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.