SWICA or Sanitas in Region 2 of canton Fribourg?
In Region 2, SWICA is CHF 242.40 a year cheaper than Sanitas 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, Sanitas to CHF 501.10. The gap is CHF 242.40 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 SWICA is worth CHF 370.80 more a year. Agrisano
Where they stand in the region
SWICA ranks 13 and Sanitas ranks 17, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 572.50 | CHF 576.00 | − 3.50 |
| 500 | CHF 560.90 | CHF 564.40 | − 3.50 |
| 1'000 | CHF 531.70 | CHF 535.20 | − 3.50 |
| 1'500 | CHF 502.50 | CHF 506.00 | − 3.50 |
| 2'000 | CHF 473.40 | CHF 476.90 | − 3.50 |
| 2'500 | CHF 444.20 | CHF 447.70 | − 3.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Sanitas |
|---|---|---|
| Family doctor | CHF 480.90 | CHF 501.10 |
| HMO practice | CHF 492.40 | CHF 524.20 |
| Other model | CHF 538.20 | CHF 518.40 |
| Free choice of doctor | CHF 572.50 | CHF 576.00 |
How they moved in this region
Against 2025, SWICA moves by + 0.9 % and Sanitas by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.