SWICA or Visana in Region 1 of canton Fribourg?
In Region 1, Visana is CHF 54.00 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
Visana comes down to CHF 508.60 a month, SWICA to CHF 513.10. The gap is CHF 54.00 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 Visana is worth CHF 90.00 more a year. Vivao Sympany
Where they stand in the region
SWICA ranks 6 and Visana 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 | Visana | Gap |
|---|---|---|---|
| 300 | CHF 618.10 | CHF 592.00 | + 26.10 |
| 500 | CHF 606.50 | CHF 585.30 | + 21.20 |
| 1'000 | CHF 577.30 | CHF 551.20 | + 26.10 |
| 1'500 | CHF 548.10 | CHF 522.00 | + 26.10 |
| 2'000 | CHF 519.00 | CHF 492.80 | + 26.20 |
| 2'500 | CHF 489.80 | CHF 463.70 | + 26.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Visana |
|---|---|---|
| Family doctor | CHF 513.10 | CHF 521.00 |
| HMO practice | CHF 519.30 | CHF 521.00 |
| Other model | CHF 581.10 | CHF 508.60 |
| Free choice of doctor | CHF 618.10 | CHF 592.00 |
How they moved in this region
Against 2025, SWICA moves by + 0.9 % and Visana by + 4.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.