SWICA or KPT in Region 2 of canton Fribourg?
In Region 2, KPT is CHF 118.80 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
KPT comes down to CHF 471.00 a month, SWICA to CHF 480.90. The gap is CHF 118.80 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 KPT is worth CHF 252.00 more a year. Agrisano
Where they stand in the region
SWICA ranks 13 and KPT ranks 5, 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 | KPT | Gap |
|---|---|---|---|
| 300 | CHF 572.50 | CHF 556.70 | + 15.80 |
| 500 | CHF 560.90 | CHF 545.10 | + 15.80 |
| 1'000 | CHF 531.70 | CHF 515.90 | + 15.80 |
| 1'500 | CHF 502.50 | CHF 486.70 | + 15.80 |
| 2'000 | CHF 473.40 | — | — |
| 2'500 | CHF 444.20 | CHF 428.40 | + 15.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | KPT |
|---|---|---|
| Family doctor | CHF 480.90 | CHF 492.40 |
| HMO practice | CHF 492.40 | CHF 492.40 |
| Other model | CHF 538.20 | CHF 471.00 |
| Free choice of doctor | CHF 572.50 | CHF 556.70 |
How they moved in this region
Against 2025, SWICA moves by + 0.9 % and KPT by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.