CSS or KPT in Region 2 of canton Fribourg?

In Region 2, KPT is CHF 100.80 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 471.00 a month, CSS to CHF 479.40. The gap is CHF 100.80 a year, 300-franc deductible, accident cover included.

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

CSS ranks 10 and KPT ranks 5, out of 23 active insurers in this region.

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 551.00	CHF 556.70	− 5.70
500	CHF 539.40	CHF 545.10	− 5.70
1'000	CHF 510.20	CHF 515.90	− 5.70
1'500	CHF 481.00	CHF 486.70	− 5.70
2'000	CHF 451.90	—	—
2'500	CHF 422.70	CHF 428.40	− 5.70

Each insurer’s lowest rate in each model type, 300-franc deductible.

Against 2025, CSS moves by + 4.7 % and KPT by + 3.3 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.