The cheapest compulsory basic insurance for adults in Fribourg costs CHF 331.75 a month in 2026 at Visana – CHF 2,500 deductible, HMO model, in the premium region Fribourg 2. Compared with 2025 insurers here changed their premiums by +5.0 %.
Before you compare: what you are actually choosing
Basic health insurance (Grundversicherung, KVG/LAMal) is compulsory for everyone living in Switzerland, and what it covers is written into federal law. Every insurer must offer exactly the same medical cover and must accept you regardless of your health. So a cheaper premium does not buy you less treatment – it buys the same treatment from a different company.
What you actually choose is three things: the insurer, the deductible (Franchise, CHF 300 to 2,500 for adults) and the model – whether you may go to any doctor, or agree to call a family doctor, an HMO practice or a telemedicine line first. Restricting your first point of contact is what makes the saver models cheaper.
Two things are not your choice: the canton and municipality you live in, which set the premium region, and your age group. Supplementary insurance (Zusatzversicherung) is a separate, voluntary product with its own rules – insurers may reject you there.
In Fribourg the premium does not depend on the canton but on the premium region. Enter where you live and you will see which table applies to you.
Within Fribourg the cheapest offer differs by up to CHF 430 a year depending on where you live – for identical cover.
What does health insurance cost in premium region Fribourg 1 in 2026?
In premium region 1 of the canton of Fribourg – which covers Fribourg, Villars-sur-Glâne, Marly – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 367.55 per month in 2026, offered by Sympany (Other saver models). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region Fribourg 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Sympany
Other saver models
CHF 367.55
CHF 495.95
+5.2 %
Helsana
Family doctor model
CHF 368.45
CHF 496.75
+2.0 %
Helsana
Other saver models
CHF 368.45
CHF 496.75
+2.0 %
Sanitas
Family doctor model
CHF 370.30
CHF 498.60
+6.3 %
Atupri
HMO model
CHF 373.05
CHF 501.35
+0.5 %
Sympany
Family doctor model
CHF 373.45
CHF 501.75
+3.6 %
Visana
Other saver models
CHF 375.15
CHF 503.45
+5.4 %
Sympany
HMO model
CHF 376.35
CHF 504.75
+5.2 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,541 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,010 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Fribourg 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
CSS
Family doctor model
CHF 231.95
CHF 360.25
−9.2 %
Sympany
Other saver models
CHF 232.35
CHF 360.65
+1.7 %
Atupri
HMO model
CHF 236.25
CHF 364.55
+3.8 %
Sympany
Family doctor model
CHF 236.55
CHF 364.95
−0.2 %
Sympany
HMO model
CHF 238.75
CHF 367.05
+1.6 %
Sanitas
Family doctor model
CHF 239.00
CHF 367.30
+7.2 %
Sanitas
Other saver models
CHF 239.05
CHF 367.35
+7.2 %
EGK
Family doctor model
CHF 239.75
CHF 368.05
+9.8 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,540 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,010 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Fribourg 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 25.35
CHF 47.25
+5.2 %
Agrisano
HMO model
CHF 25.45
CHF 48.15
+4.8 %
Visana
HMO model
CHF 26.95
CHF 45.45
+2.9 %
Visana
Family doctor model
CHF 26.95
CHF 45.45
+2.9 %
Visana
Other saver models
CHF 26.95
CHF 47.95
+2.9 %
Visana
Standard (free choice of doctor)
CHF 26.95
CHF 54.45
+2.9 %
Agrisano
Standard (free choice of doctor)
CHF 27.85
CHF 52.75
+5.1 %
SWICA
HMO model
CHF 28.15
CHF 53.75
+0.9 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 263 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 290 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region Fribourg 1? (26 municipalities, 107,592 residents)
What does health insurance cost in premium region Fribourg 2 in 2026?
In premium region 2 of the canton of Fribourg – which covers Bulle, Estavayer, Murten – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 331.75 per month in 2026, offered by Visana (HMO model). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
The most commonly chosen insurer here is CSS (28.4% of the insured). Its cheapest offer costs CHF 345.95 a month – CHF 170 more a year than the cheapest offer, for cover that is identical by law. In basic insurance market share measures inertia, not quality.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region Fribourg 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Visana
HMO model
CHF 331.75
CHF 460.05
+3.9 %
Visana
Other saver models
CHF 332.25
CHF 460.55
+3.9 %
Agrisano
Other saver models
CHF 334.55
CHF 444.85
+8.0 %
Visana
Family doctor model
CHF 335.45
CHF 463.75
+3.9 %
KPT
Other saver models
CHF 337.55
CHF 465.85
+4.6 %
Aquilana
Other saver models
CHF 338.45
CHF 458.15
+5.3 %
Atupri
Other saver models
CHF 340.65
CHF 468.95
+9.6 %
ÖKK
HMO model
CHF 344.45
CHF 472.75
+7.6 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,540 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,010 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Fribourg 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
CSS
Family doctor model
CHF 206.95
CHF 335.25
−9.5 %
Atupri
Other saver models
CHF 212.65
CHF 340.95
+12.2 %
Agrisano
Other saver models
CHF 213.05
CHF 323.35
+9.0 %
Sympany
HMO model
CHF 217.75
CHF 346.15
+0.1 %
Sympany
Family doctor model
CHF 219.75
CHF 348.15
−1.7 %
EGK
Other saver models
CHF 220.65
CHF 348.95
+11.2 %
Aquilana
Other saver models
CHF 220.85
CHF 337.75
+6.1 %
Sympany
Other saver models
CHF 221.85
CHF 350.15
+1.1 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,540 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,010 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Fribourg 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 22.45
CHF 39.85
+5.3 %
Agrisano
HMO model
CHF 22.65
CHF 42.95
+5.3 %
Visana
HMO model
CHF 23.75
CHF 41.75
+2.8 %
Visana
Family doctor model
CHF 23.75
CHF 42.15
+2.8 %
Visana
Other saver models
CHF 23.75
CHF 42.65
+2.8 %
Visana
Standard (free choice of doctor)
CHF 23.75
CHF 48.45
+2.8 %
Agrisano
Standard (free choice of doctor)
CHF 24.65
CHF 47.15
+4.9 %
SWICA
HMO model
CHF 25.75
CHF 50.45
+1.0 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 209 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 230 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region Fribourg 2? (100 municipalities, 222,268 residents)
The tables above show the cheapest offers for your region. What you pay today is on your policy – and at identical legal cover, the difference is pure price.
Children are insured cheaply – from CHF 22.45 a month. That ends on 1 January following the 18th birthday: the same person then counts as a young adult and pays at least CHF 206.95, roughly 9.2 times as much and CHF 2,214 more a year. The jump comes with the change of age group, not with the birthday itself.
No compulsory deductible. For children the deductible is voluntary and the lowest tier is zero. Because the break-even point is low, zero is the cheaper choice for most children.
Half the co-payment cap. Above the deductible children pay at most CHF 350 a year themselves, against CHF 700 for adults. If several children of one family are insured with the same insurer, together they pay at most the cost-sharing of one adult – so at most CHF 300 deductible and CHF 700 co-payment (Art. 64 para. 4 KVG). With different insurers this cap does not apply.
Premium reductions for children are mandatory. Cantons must reduce the premiums of children in lower and middle income households by at least 80%, and those of young adults in education by at least 50% (Art. 65 para. 1bis KVG). You apply to your canton of residence, not to the insurer.
Register before the birth. Registering a child only after birth risks rejection or a lifelong exclusion in supplementary insurance. It does not affect basic insurance – there, insurers must accept every applicant.
Why is the premium not the same everywhere in Fribourg?
Premiums are not approved per canton but per premium region. Fribourg is divided into 2 of them, because health costs differ noticeably between areas. What counts is your political municipality, not the postcode alone – moving to the next municipality can change your premium, moving within the region cannot.
By when must I cancel to switch for 2026?
Basic insurance runs to the end of the calendar year with one month's notice. To switch for the 2026 premium year you therefore had to cancel in the previous year: the letter had to arrive at your previous insurer by 30 November 2025 – sending it in time is not enough, so send it by registered post.
The cancellation only takes effect once the new insurer confirms cover, so never cancel before you have that confirmation. Supplementary insurance has its own, usually earlier deadlines – by the end of November it is normally too late for those.
There is a second date almost nobody uses: if you have the ordinary CHF 300 deductible and free choice of doctor, you may also switch at the end of June, with three months' notice – so by the end of March (Art. 7 KVG). With a saver model or a higher deductible that route is closed and the year end is your only option.
