SWICA or Mutuel in Region 2 of canton Fribourg?

In Region 2, SWICA is CHF 376.80 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 480.90 a month, Mutuel to CHF 512.30. The gap is CHF 376.80 a year, 300-franc deductible, accident cover included.

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

SWICA ranks 13 and Mutuel ranks 21, out of 23 active insurers in this region.

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	Mutuel	Gap
300	CHF 572.50	CHF 609.90	− 37.40
500	CHF 560.90	CHF 598.40	− 37.50
1'000	CHF 531.70	CHF 569.40	− 37.70
1'500	CHF 502.50	CHF 539.90	− 37.40
2'000	CHF 473.40	CHF 510.90	− 37.50
2'500	CHF 444.20	CHF 481.90	− 37.70

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

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

Source: Federal Office of Public Health (FOPH), official premiums.