Philos — Region 1 of canton Fribourg, 2026 premiums
Philos covers the 25 municipalities of Region 1 in canton Fribourg. Its lowest adult premium here is CHF 390.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 19 out of 23 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 533.17 a month.
What staying costs
Moving from Philos to Vivao Sympany, the cheapest insurer in this region, saves CHF 558.00 a year for an adult on the same profile.
The full Philos table
260 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 640.40 | CHF 573.20 | CHF 547.60 | CHF 554.00 |
| 500 | CHF 628.90 | CHF 561.70 | CHF 536.10 | CHF 543.00 |
| 1'000 | CHF 599.90 | CHF 532.70 | CHF 507.10 | CHF 515.50 |
| 1'500 | CHF 570.40 | CHF 503.20 | CHF 477.60 | CHF 487.20 |
| 2'000 | CHF 541.40 | CHF 474.20 | CHF 448.60 | CHF 458.20 |
| 2'500 | CHF 512.40 | CHF 445.20 | CHF 419.60 | CHF 429.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 481.80 | CHF 440.90 | CHF 421.60 | CHF 416.80 |
| 500 | CHF 470.30 | CHF 429.40 | CHF 410.10 | CHF 405.30 |
| 1'000 | CHF 441.30 | CHF 400.40 | CHF 381.10 | CHF 376.30 |
| 1'500 | CHF 411.80 | CHF 370.90 | CHF 351.60 | CHF 346.80 |
| 2'000 | CHF 382.80 | CHF 341.90 | CHF 322.60 | CHF 317.80 |
| 2'500 | CHF 353.80 | CHF 312.90 | CHF 293.60 | CHF 288.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 127.00 | CHF 117.50 | CHF 112.40 | CHF 113.70 |
| 100 | CHF 122.70 | CHF 113.20 | CHF 108.10 | CHF 109.30 |
| 200 | CHF 118.30 | CHF 108.80 | CHF 103.70 | CHF 105.00 |
| 300 | CHF 113.90 | CHF 104.40 | CHF 99.30 | CHF 100.60 |
| 400 | CHF 109.50 | CHF 100.00 | CHF 94.90 | CHF 96.20 |
| 500 | CHF 105.20 | CHF 95.70 | CHF 90.60 | CHF 91.90 |
| 600 | CHF 100.80 | CHF 91.30 | CHF 86.20 | CHF 87.40 |
With or without accident cover
With accident cover: CHF 640.40 a month. Without: CHF 595.60. Dropping it saves CHF 537.60 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 544.90 in 2025 to CHF 390.20 — a rise of 0.5 %.
The 25 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Fribourg, not to the municipality.
Autigny · Avry · Belfaux · Bois-d'Amont · Chénens · Corminboeuf · Cottens (FR) · Ferpicloz · Fribourg · Gibloux · Givisiez · Granges-Paccot · Grolley-Ponthaux · Hauterive (FR) · La Brillaz · La Sonnaz · Le Mouret · Marly · Matran · Neyruz (FR) · Pierrafortscha · Prez · Treyvaux · Villars-sur-Glâne · Villarsel-sur-Marly
The other insurers in Region 1
23 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Vivao Sympany | CHF 501.10 | View |
| Helsana | CHF 501.90 | View |
| Sanitas | CHF 503.75 | View |
| Atupri | CHF 506.50 | View |
| Visana | CHF 508.60 | View |
| SWICA | CHF 513.10 | View |
| CONCORDIA | CHF 513.60 | View |
| Aquilana | CHF 514.90 | View |
| Avenir | CHF 515.90 | View |
| KPT | CHF 516.60 | View |
| SLKK | CHF 516.60 | View |
| ÖKK | CHF 520.20 | View |
| Assura-Basis | CHF 521.90 | View |
| CSS | CHF 522.00 | View |
| Agrisano | CHF 523.90 | View |
| Galenos | CHF 532.70 | View |
| EGK | CHF 540.30 | View |
| Mutuel | CHF 542.10 | View |
| Sumiswalder | CHF 550.80 | View |
| sana24 | CHF 556.10 | View |
| vita surselva | CHF 620.00 | View |
| rhenusana | CHF 672.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums.