Philos — Region 2 of canton Fribourg, 2026 premiums
Philos covers the 96 municipalities of Region 2 in canton Fribourg. Its lowest adult premium here is CHF 354.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 20 out of 23 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 492.90 a month.
What staying costs
Moving from Philos to Agrisano, the cheapest insurer in this region, saves CHF 711.60 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 595.60 | CHF 533.10 | CHF 509.30 | CHF 515.20 |
| 500 | CHF 584.10 | CHF 521.60 | CHF 497.80 | CHF 504.20 |
| 1'000 | CHF 555.10 | CHF 492.60 | CHF 468.80 | CHF 476.70 |
| 1'500 | CHF 525.60 | CHF 463.10 | CHF 439.30 | CHF 448.20 |
| 2'000 | CHF 496.60 | CHF 434.10 | CHF 410.30 | CHF 419.20 |
| 2'500 | CHF 467.60 | CHF 405.10 | CHF 381.30 | CHF 390.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 448.10 | CHF 410.00 | CHF 392.10 | CHF 387.60 |
| 500 | CHF 436.60 | CHF 398.50 | CHF 380.60 | CHF 376.10 |
| 1'000 | CHF 407.60 | CHF 369.50 | CHF 351.60 | CHF 347.10 |
| 1'500 | CHF 378.10 | CHF 340.00 | CHF 322.10 | CHF 317.60 |
| 2'000 | CHF 349.10 | CHF 311.00 | CHF 293.10 | CHF 288.60 |
| 2'500 | CHF 320.10 | CHF 282.00 | CHF 264.10 | CHF 259.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 118.10 | CHF 109.30 | CHF 104.60 | CHF 105.70 |
| 100 | CHF 113.80 | CHF 104.90 | CHF 100.20 | CHF 101.40 |
| 200 | CHF 109.40 | CHF 100.60 | CHF 95.90 | CHF 97.00 |
| 300 | CHF 105.00 | CHF 96.20 | CHF 91.40 | CHF 92.60 |
| 400 | CHF 100.70 | CHF 91.80 | CHF 87.10 | CHF 88.30 |
| 500 | CHF 96.30 | CHF 87.50 | CHF 82.70 | CHF 83.90 |
| 600 | CHF 91.90 | CHF 83.00 | CHF 78.30 | CHF 79.50 |
With or without accident cover
With accident cover: CHF 595.60 a month. Without: CHF 553.90. Dropping it saves CHF 500.40 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 506.70 in 2025 to CHF 354.60 — a rise of 0.5 %.
The 96 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Fribourg, not to the municipality.
Attalens · Bas-Intyamon · Belmont-Broye · Billens-Hennens · Bossonnens · Botterens · Broc · Brünisried · Bulle · Bösingen · Cheyres-Châbles · Châtel-Saint-Denis · Châtel-sur-Montsalvens · Châtillon (FR) · Châtonnaye · Corbières · Courgevaux · Courtepin · Cressier (FR) · Crésuz · Cugy (FR) · Delley-Portalban · Düdingen · Echarlens · Estavayer · Fräschels · Fétigny · Giffers · Gletterens · Grandvillard · Granges (Veveyse) · Grangettes · Greng · Gruyères · Gurmels · Haut-Intyamon · Hauteville · Heitenried · Jaun · Kerzers · Kleinbösingen · La Roche · La Verrerie · Le Châtelard · Le Flon · Le Pâquier (FR) · Les Montets · Lully (FR) · Marsens · Massonnens · Meyriez · Misery-Courtion · Mont-Vully · Montagny (FR) · Morlon · Muntelier · Murten · Ménières · Mézières (FR) · Nuvilly · Plaffeien · Plasselb · Pont-en-Ogoz · Pont-la-Ville · Prévondavaux · Rechthalten · Remaufens · Riaz · Ried bei Kerzers · Romont (FR) · Rue · Saint-Aubin (FR) · Saint-Martin (FR) · Schmitten (FR) · Semsales · Siviriez · Sorens · St. Silvester · St. Ursen · Surpierre · Sâles · Sévaz · Tafers · Tentlingen · Torny · Ueberstorf · Ulmiz · Ursy · Val-de-Charmey · Vallon · Vaulruz · Villaz · Villorsonnens · Vuadens · Vuisternens-devant-Romont · Wünnewil-Flamatt
The other insurers in Region 2
23 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 450.00 | View |
| Aquilana | CHF 463.30 | View |
| SLKK | CHF 464.90 | View |
| Visana | CHF 465.20 | View |
| KPT | CHF 471.00 | View |
| Atupri | CHF 474.10 | View |
| Helsana | CHF 477.70 | View |
| ÖKK | CHF 477.90 | View |
| EGK | CHF 478.10 | View |
| CSS | CHF 479.40 | View |
| Galenos | CHF 479.50 | View |
| Avenir | CHF 479.80 | View |
| SWICA | CHF 480.90 | View |
| Vivao Sympany | CHF 481.20 | View |
| CONCORDIA | CHF 482.70 | View |
| Assura-Basis | CHF 492.40 | View |
| Sanitas | CHF 501.10 | View |
| Sumiswalder | CHF 503.90 | View |
| sana24 | CHF 505.40 | View |
| Mutuel | CHF 512.30 | View |
| vita surselva | CHF 589.00 | View |
| rhenusana | CHF 617.50 | View |
Source: Federal Office of Public Health (FOPH), official premiums.