KLuG in the canton of Fribourg
KLuG disappeared from the official file after 2025. In the canton of Fribourg its last known premium was CHF 565.10 a month, for an adult with a CHF 300 deductible and accident cover.
What it costs today
In the same place, the cheapest insurer in 2026 is Agrisano, at CHF 450.00 a month. That is the price a former KLuG policyholder should compare against what they actually pay — an automatic transfer puts nobody with the cheapest.
The market average there is CHF 492.90: someone who does not compare pays CHF 514.80 more per year.
What it had done with its prices
Between 2015 and 2025, the lowest KLuG premium went from CHF 377.95 to CHF 565.10 a month — a rise of +49.5 %. The table below places it next to the cheapest insurer in the same place, year by year.
| Year | This insurer | The cheapest |
|---|---|---|
| 2015 | CHF 377.95 | CHF 277.50 |
| 2016 | CHF 423.35 | CHF 294.20 |
| 2017 | CHF 457.20 | CHF 315.20 |
| 2018 | CHF 457.20 | CHF 334.00 |
| 2019 | CHF 457.20 | CHF 346.50 |
| 2020 | CHF 457.20 | CHF 351.50 |
| 2021 | CHF 457.20 | CHF 357.60 |
| 2022 | CHF 457.20 | CHF 362.80 |
| 2023 | CHF 480.05 | CHF 381.70 |
| 2024 | CHF 523.25 | CHF 399.70 |
| 2025 | CHF 565.10 | CHF 423.60 |
Where did the portfolio go?
We do not say, because we do not know it from an official source. The FOPH publishes premiums, not portfolio transfers. Your current policy and statements carry the name of the insurer covering you today: that is the only reliable answer, and it is in your own paperwork.
KLuG, canton by canton
Other insurers that closed
Source: Federal Office of Public Health (FOPH), premium files from 2015 to today.