KPT or Mutuel in Region 1 of canton Fribourg?
In Region 1, KPT is CHF 306.00 a year cheaper than Mutuel 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, Mutuel to CHF 542.10. The gap is CHF 306.00 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
KPT ranks 10 and Mutuel ranks 18, 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 | KPT | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 613.70 | CHF 645.30 | − 31.60 |
| 500 | CHF 602.10 | CHF 633.80 | − 31.70 |
| 1'000 | CHF 572.90 | CHF 604.80 | − 31.90 |
| 1'500 | CHF 543.70 | CHF 575.30 | − 31.60 |
| 2'000 | — | CHF 546.30 | — |
| 2'500 | CHF 485.40 | CHF 517.30 | − 31.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | Mutuel |
|---|---|---|
| Other model | CHF 516.60 | CHF 551.80 |
| Family doctor | CHF 540.90 | CHF 587.30 |
| HMO practice | CHF 540.90 | CHF 542.10 |
| Free choice of doctor | CHF 613.70 | CHF 645.30 |
How they moved in this region
Against 2025, KPT moves by + 3.3 % and Mutuel by + 3.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.