SWICA or ÖKK in Region 2 of canton Fribourg?
In Region 2, ÖKK is CHF 36.00 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
ÖKK comes down to CHF 477.90 a month, SWICA to CHF 480.90. The gap is CHF 36.00 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 ÖKK is worth CHF 334.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 13 and ÖKK ranks 8, 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 572.50 | CHF 531.00 | + 41.50 |
| 500 | CHF 560.90 | CHF 519.40 | + 41.50 |
| 1'000 | CHF 531.70 | CHF 490.20 | + 41.50 |
| 1'500 | CHF 502.50 | CHF 461.00 | + 41.50 |
| 2'000 | CHF 473.40 | CHF 431.90 | + 41.50 |
| 2'500 | CHF 444.20 | CHF 402.70 | + 41.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | ÖKK |
|---|---|---|
| Family doctor | CHF 480.90 | CHF 477.90 |
| HMO practice | CHF 492.40 | CHF 477.90 |
| Other model | CHF 538.20 | CHF 477.90 |
| Free choice of doctor | CHF 572.50 | CHF 531.00 |
How they moved in this region
Against 2025, SWICA moves by + 0.9 % and ÖKK by + 5.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.