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SWICA or Mutuel in Region 1 of canton Fribourg?

In Region 1, SWICA is CHF 348.00 a year cheaper than Mutuel 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, Mutuel to CHF 542.10. The gap is CHF 348.00 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 Mutuel ranks 18, 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.

DeductibleSWICAMutuelGap
300CHF 618.10CHF 645.30− 27.20
500CHF 606.50CHF 633.80− 27.30
1'000CHF 577.30CHF 604.80− 27.50
1'500CHF 548.10CHF 575.30− 27.20
2'000CHF 519.00CHF 546.30− 27.30
2'500CHF 489.80CHF 517.30− 27.50

Model by model

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

ModelSWICAMutuel
Family doctorCHF 513.10CHF 587.30
HMO practiceCHF 519.30CHF 542.10
Other modelCHF 581.10CHF 551.80
Free choice of doctorCHF 618.10CHF 645.30

How they moved in this region

Against 2025, SWICA moves by + 0.9 % and Mutuel by + 3.9 % in this region.

SWICA, Mutuel, 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.