KPT or ÖKK in Region 1 of canton Fribourg?
In Region 1, KPT is CHF 43.20 a year cheaper than ÖKK 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, ÖKK to CHF 520.20. The gap is CHF 43.20 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 ÖKK ranks 12, 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 | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 613.70 | CHF 578.00 | + 35.70 |
| 500 | CHF 602.10 | CHF 566.40 | + 35.70 |
| 1'000 | CHF 572.90 | CHF 537.20 | + 35.70 |
| 1'500 | CHF 543.70 | CHF 508.00 | + 35.70 |
| 2'000 | — | CHF 478.90 | — |
| 2'500 | CHF 485.40 | CHF 449.70 | + 35.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | KPT | ÖKK |
|---|---|---|
| Other model | CHF 516.60 | CHF 520.20 |
| Family doctor | CHF 540.90 | CHF 520.20 |
| HMO practice | CHF 540.90 | CHF 520.20 |
| Free choice of doctor | CHF 613.70 | CHF 578.00 |
How they moved in this region
Against 2025, KPT moves by + 3.3 % and ÖKK by + 5.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.