Philos in the canton of Fribourg — 2026 premiums
Philos covers the 121 municipalities of the canton of Fribourg. Its lowest adult premium there is CHF 509.30 a month, with a 300-franc deductible and accident cover included.
Where it stands
Philos ranks 20 out of 23 active insurers in the canton of Fribourg, cheapest to dearest.
The cantonal average across all insurers is CHF 492.90 a month.
What switching would save you
Moving from Philos to Agrisano Krankenkasse AG, the canton’s cheapest insurer, would save you CHF 711.60 a year — for strictly identical cover, since the law requires the same benefits from every insurer.
The figure is for an adult with a 300-franc deductible and accident cover. Your actual gap depends on your age, your deductible and your municipality — the comparator works it out for your situation.
Premium regions in the canton of Fribourg
A premium does not depend on the municipality but on the premium region it belongs to. Every municipality in the same region pays the same rate with the same insurer.
The models offered by Philos
The model changes the price without changing the benefits: what varies is your freedom to choose your first point of care.
| Model | Premium |
|---|---|
| HMO practice — OptiMed | CHF 547.60 |
| Other model — PrimaFlex | CHF 554.00 |
| Family doctor — PrimaCare | CHF 573.20 |
| Free choice of doctor — Grundversicherung | CHF 640.40 |
The twelve years, year by year
Since 2015, the lowest Philos premium here has moved by +62.8 %, against +62.2 % for the cheapest insurer in the same place. The twelve years, year by year
Same group, a different price
- In this region Avenir belongs to the same group as the insurer above — Groupe Mutuel — and costs CHF 354.00 less per year, for cover the law defines word for word the same way. CHF 479.80
- In this region Mutuel belongs to the same group — Groupe Mutuel — and costs CHF 36.00 more per year. You are already on the right side. CHF 512.30
Two brands of the same house share reserves and management; their prices do not. Switching inside a group is still a real change of contract: the same cancellation rules apply.
The other insurers in the canton of Fribourg
23 insurers cover this canton. Here are their lowest premiums, in order.
| Insurer | From | |
|---|---|---|
| Agrisano Krankenkasse AG | CHF 450.00 | View |
| Aquilana Versicherungen | CHF 463.30 | View |
| Genossenschaft KRANKENKASSE SLKK | CHF 464.90 | View |
| Visana AG | CHF 465.20 | View |
| KPT Caisse-maladie SA | CHF 471.00 | View |
| Atupri Assurance de la santé SA | CHF 474.10 | View |
| Helsana Assurances SA | CHF 477.70 | View |
| ÖKK Kranken- und Unfallversicherungen AG | CHF 477.90 | View |
| EGK Grundversicherungen AG | CHF 478.10 | View |
| CSS Assurance-maladie SA | CHF 479.40 | View |
| Galenos AG | CHF 479.50 | View |
| Avenir Assurance Maladie SA | CHF 479.80 | View |
| SWICA Assurance-maladie SA | CHF 480.90 | View |
| Vivao Sympany SA | CHF 481.20 | View |
| CONCORDIA Assurance suisse de maladie et accidents SA | CHF 482.70 | View |
| Assura-Basis SA | CHF 492.40 | View |
| Sanitas Grundversicherungen AG | CHF 501.10 | View |
| Sumiswalder Krankenkasse | CHF 503.90 | View |
| sana24 AG | CHF 505.40 | View |
| Mutuel Assurance Maladie SA | CHF 512.30 | View |
| vita surselva | CHF 589.00 | View |
| rhenusana | CHF 617.50 | View |
Basic LAMal cover. Benefits are identical from one insurer to the next: only the price changes.