CONCORDIA or KPT in Region 2 of canton Fribourg?
In Region 2, KPT is CHF 140.40 a year cheaper than CONCORDIA for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
KPT comes down to CHF 471.00 a month, CONCORDIA to CHF 482.70. The gap is CHF 140.40 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 KPT is worth CHF 252.00 more a year. Agrisano
Where they stand in the region
CONCORDIA ranks 15 and KPT 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 | CONCORDIA | KPT | Gap |
|---|---|---|---|
| 300 | CHF 558.00 | CHF 556.70 | + 1.30 |
| 500 | CHF 546.40 | CHF 545.10 | + 1.30 |
| 1'000 | CHF 517.20 | CHF 515.90 | + 1.30 |
| 1'500 | CHF 488.00 | CHF 486.70 | + 1.30 |
| 2'000 | CHF 458.90 | — | — |
| 2'500 | CHF 429.70 | CHF 428.40 | + 1.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CONCORDIA | KPT |
|---|---|---|
| Other model | CHF 482.70 | CHF 471.00 |
| HMO practice | CHF 482.70 | CHF 492.40 |
| Family doctor | CHF 491.10 | CHF 492.40 |
| Free choice of doctor | CHF 558.00 | CHF 556.70 |
How they moved in this region
Against 2025, CONCORDIA moves by + 8.9 % and KPT by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.