SWICA or Visana in Region 2 of canton Fribourg?
In Region 2, Visana is CHF 188.40 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 465.20 a month, SWICA to CHF 480.90. The gap is CHF 188.40 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 Visana is worth CHF 182.40 more a year. Agrisano
Where they stand in the region
SWICA ranks 13 and Visana ranks 4, 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 572.50 | CHF 532.80 | + 39.70 |
| 500 | CHF 560.90 | CHF 526.10 | + 34.80 |
| 1'000 | CHF 531.70 | CHF 492.00 | + 39.70 |
| 1'500 | CHF 502.50 | CHF 462.80 | + 39.70 |
| 2'000 | CHF 473.40 | CHF 433.60 | + 39.80 |
| 2'500 | CHF 444.20 | CHF 404.50 | + 39.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | SWICA | Visana |
|---|---|---|
| Family doctor | CHF 480.90 | CHF 468.90 |
| HMO practice | CHF 492.40 | CHF 465.20 |
| Other model | CHF 538.20 | CHF 465.70 |
| Free choice of doctor | CHF 572.50 | CHF 532.80 |
How they moved in this region
Against 2025, SWICA moves by + 0.9 % and Visana by + 2.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.