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KPT or ÖKK in Region 2 of canton Fribourg?

In Region 2, KPT is CHF 82.80 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 471.00 a month, ÖKK to CHF 477.90. The gap is CHF 82.80 a year, 300-franc deductible, accident cover included.

What the question hides

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

Where they stand in the region

KPT ranks 5 and ÖKK ranks 8, 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.

DeductibleKPTÖKKGap
300CHF 556.70CHF 531.00+ 25.70
500CHF 545.10CHF 519.40+ 25.70
1'000CHF 515.90CHF 490.20+ 25.70
1'500CHF 486.70CHF 461.00+ 25.70
2'000—CHF 431.90—
2'500CHF 428.40CHF 402.70+ 25.70

Model by model

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

ModelKPTÖKK
Other modelCHF 471.00CHF 477.90
Family doctorCHF 492.40CHF 477.90
HMO practiceCHF 492.40CHF 477.90
Free choice of doctorCHF 556.70CHF 531.00

How they moved in this region

Against 2025, KPT moves by + 3.3 % and ÖKK by + 5.4 % in this region.

KPT, ÖKK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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