Cheap health insurance in the canton of Fribourg: 2027 premiums and tips
Key 2027 health insurance figures in the canton of Fribourg.
Updated on 20.10.2026 · Written by an AFA-certified broker · Official sources cited
What these figures mean
The canton's average premium is 26.40 CHF a month below the Swiss average, about 317 CHF a year per person.
The average premium covers all ages, deductibles and models. Your premium depends on your municipality (premium region), your age, your deductible, your model and your insurer.
Approximate value, calculated from the 2025 premium and the official rise.
How to change insurer for 1st January 2027
- Compare. The premium depends on your municipality, your age, your deductible and the chosen model. An advisor can do the comparison for you, free of charge.
- Apply for membership with the new insurer, usually with its membership form. For basic insurance, it must accept you without a health questionnaire, without reservations and without a waiting period.
- Cancel in writing with your current insurer. The letter must be received by 30 November 2026 at the latest. The FOPH recommends sending it before 15 November, by registered mail or A Plus mail.
- Keep the confirmation. Your old insurance only ends once the new insurer confirms in writing that you are covered without interruption.
Your supplementary insurance can stay with your current insurer: its cancellation deadlines are different, check your general terms. If premiums or cost-sharing remain unpaid after a reminder, the switch may be blocked. The full guide to switching before 30 November
Deductible and model: where the savings are
The higher the deductible, the lower the premium. In return, you pay your medical costs yourself up to the deductible amount, plus 10 % co-payment up to 700 CHF per year for an adult.
- Few medical costs: the 2'500 CHF deductible is often the most advantageous.
- Regular costs (treatment, follow-up): the 300 CHF deductible is often safer.
- Family doctor, HMO or telemedicine: by accepting a first point of contact, the premium drops even further.
- Insured against accidents by your employer (at least 8 hours per week): you can remove accident cover.
For 2027, a lower deductible or a change of model must be requested in writing by 30 November 2026; a higher deductible until 31 December 2026. Calculate the deductible that suits you
Frequently asked questions
Which is the cheapest health insurer in the canton of Fribourg in 2027?
It depends on your municipality (premium region), your age, your deductible and the chosen model: the cheapest insurer is not the same for everyone. An advisor compares the official premiums for your exact situation free of charge.
Until when can I switch health insurer for 2027?
Your cancellation must be received by your current insurer by 30 November 2026 at the latest. The FOPH recommends sending it before 15 November, by registered mail or A Plus mail.
Can the new insurer refuse me?
No. For basic insurance, every insurer active in your canton must accept you, without a health questionnaire, without reservations and without a waiting period, whatever your age.
Do I also have to cancel my supplementary insurance?
No. You can change insurer for basic insurance and keep your supplementary policies. Their cancellation deadlines are different: check your general terms before cancelling them.
How much does the comparison cost at Tigre Assurance?
Nothing. The comparison and advice are free and without obligation. You get a quick reply on WhatsApp.
How to change insurer for 1st January 2027
- Compare. The premium depends on your municipality, your age, your deductible and the chosen model. An advisor can do the comparison for you, free of charge.
- Apply for membership with the new insurer, usually with its membership form. For basic insurance, it must accept you without a health questionnaire, without reservations and without a waiting period.
- Cancel in writing with your current insurer. The letter must be received by 30 November 2026 at the latest. The FOPH recommends sending it before 15 November, by registered mail or A Plus mail.
- Keep the confirmation. Your old insurance only ends once the new insurer confirms in writing that you are covered without interruption.
Your supplementary insurance can stay with your current insurer: its cancellation deadlines are different, check your general terms. If premiums or cost-sharing remain unpaid after a reminder, the switch may be blocked. The full guide to switching before 30 November
Deductible and model: where the savings are
The higher the deductible, the lower the premium. In return, you pay your medical costs yourself up to the deductible amount, plus 10 % co-payment up to 700 CHF per year for an adult.
- Few medical costs: the 2'500 CHF deductible is often the most advantageous.
- Regular costs (treatment, follow-up): the 300 CHF deductible is often safer.
- Family doctor, HMO or telemedicine: by accepting a first point of contact, the premium drops even further.
- Insured against accidents by your employer (at least 8 hours per week): you can remove accident cover.
For 2027, a lower deductible or a change of model must be requested in writing by 30 November 2026; a higher deductible until 31 December 2026. Calculate the deductible that suits you
Frequently asked questions
Which is the cheapest health insurer in the canton of Fribourg in 2027?
It depends on your municipality (premium region), your age, your deductible and the chosen model: the cheapest insurer is not the same for everyone. An advisor compares the official premiums for your exact situation free of charge.
Until when can I switch health insurer for 2027?
Your cancellation must be received by your current insurer by 30 November 2026 at the latest. The FOPH recommends sending it before 15 November, by registered mail or A Plus mail.
Can the new insurer refuse me?
No. For basic insurance, every insurer active in your canton must accept you, without a health questionnaire, without reservations and without a waiting period, whatever your age.
Do I also have to cancel my supplementary insurance?
No. You can change insurer for basic insurance and keep your supplementary policies. Their cancellation deadlines are different: check your general terms before cancelling them.
How much does the comparison cost at Tigre Assurance?
Nothing. The comparison and advice are free and without obligation. You get a quick reply on WhatsApp.
Subsidies
The canton grants premium reductions to low-income households. Depending on the case, they are granted automatically or on request.
To pay less in your canton
- Compare insurers for your exact municipality
- Choose the deductible that fits your costs
- Consider a family doctor, HMO or telemedicine model
- Suspend accident cover if your employer covers you