CSS or KPT in Region 1 of canton Fribourg?
In Region 1, KPT is CHF 64.80 a year cheaper than CSS 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 516.60 a month, CSS to CHF 522.00. The gap is CHF 64.80 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 KPT is worth CHF 186.00 more a year. Vivao Sympany
Where they stand in the region
CSS ranks 14 and KPT ranks 10, 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 | CSS | KPT | Gap |
|---|---|---|---|
| 300 | CHF 607.00 | CHF 613.70 | − 6.70 |
| 500 | CHF 595.40 | CHF 602.10 | − 6.70 |
| 1'000 | CHF 566.20 | CHF 572.90 | − 6.70 |
| 1'500 | CHF 537.00 | CHF 543.70 | − 6.70 |
| 2'000 | CHF 507.90 | — | — |
| 2'500 | CHF 478.70 | CHF 485.40 | − 6.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | KPT |
|---|---|---|
| Family doctor | CHF 522.00 | CHF 540.90 |
| Other model | CHF 546.30 | CHF 516.60 |
| Free choice of doctor | CHF 607.00 | CHF 613.70 |
| HMO practice | — | CHF 540.90 |
How they moved in this region
Against 2025, CSS moves by + 3.1 % and KPT by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.