KPT or Mutuel in Region 2 of canton Fribourg?

In Region 2, KPT is CHF 495.60 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 471.00 a month, Mutuel to CHF 512.30. The gap is CHF 495.60 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

KPT ranks 5 and Mutuel ranks 21, 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	KPT	Mutuel	Gap
300	CHF 556.70	CHF 609.90	− 53.20
500	CHF 545.10	CHF 598.40	− 53.30
1'000	CHF 515.90	CHF 569.40	− 53.50
1'500	CHF 486.70	CHF 539.90	− 53.20
2'000	—	CHF 510.90	—
2'500	CHF 428.40	CHF 481.90	− 53.50

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

Against 2025, KPT moves by + 3.3 % and Mutuel by + 3.9 % in this region.

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