Health insurance during an apprenticeship — Region 2 of canton Fribourg
For this household of 1 in Region 2 of canton Fribourg, the lowest bill is CHF 312.10 a month. Here is the breakdown.
The household total
CHF 312.10 a month, or CHF 3'745.20 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 369.54 a month. The gap is CHF 689.28 a year — that is what comparing is worth.
With a single insurer
Nothing requires a household to pick the same insurer for everyone, but many prefer it. The cheapest that covers every member is Agrisano, at CHF 312.10 a month.
The breakdown, person by person
One person aged 19 to 25, CHF 300 deductible, accident cover suspended.
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| Young adult — without accident cover | CHF 300 | CHF 312.10 | Agrisano |
Three things to check
From eight hours of work a week, the employer covers accidents through mandatory accident insurance: accident cover can then be suspended with the health insurer, which lowers the premium. That is the first move, and it is often forgotten. On the deductible, the arithmetic is the opposite of a student with no income: an apprentice earns little and cannot necessarily find CHF 2,500 at short notice. A low deductible costs more each month but protects cash flow. Until the end of the year they turn 18, the child rate still applies; the switch to the young-adult rate happens in the year of their nineteenth birthday.
- Suspend accident cover if you work more than eight hours a week.
- The rate changes in the year you turn 19: the premium jumps, so plan for it.
- Premium reductions are based on your own income, not your parents’, once you come of age.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.