Sanitas or KPT in Region 2 of canton Fribourg?
In Region 2, KPT is CHF 361.20 a year cheaper than Sanitas 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, Sanitas to CHF 501.10. The gap is CHF 361.20 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
Sanitas ranks 17 and KPT ranks 5, 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 | Sanitas | KPT | Gap |
|---|---|---|---|
| 300 | CHF 576.00 | CHF 556.70 | + 19.30 |
| 500 | CHF 564.40 | CHF 545.10 | + 19.30 |
| 1'000 | CHF 535.20 | CHF 515.90 | + 19.30 |
| 1'500 | CHF 506.00 | CHF 486.70 | + 19.30 |
| 2'000 | CHF 476.90 | — | — |
| 2'500 | CHF 447.70 | CHF 428.40 | + 19.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | KPT |
|---|---|---|
| Family doctor | CHF 501.10 | CHF 492.40 |
| Other model | CHF 518.40 | CHF 471.00 |
| HMO practice | CHF 524.20 | CHF 492.40 |
| Free choice of doctor | CHF 576.00 | CHF 556.70 |
How they moved in this region
Against 2025, Sanitas moves by + 4.6 % and KPT by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.