# Health insurance premiums 2026 in Fribourg (FR), for a child aged 0 to 18, deductible of 0 CHF, with accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · with accident cover · monthly premiums in CHF_

In [Fribourg](https://praemiencheck.onedoc.ch/en/fr/fribourg/) ([canton Fribourg](https://praemiencheck.onedoc.ch/en/fr/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/fr/fribourg/child/) with a 0 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/), the cheapest monthly basic insurance premium is **109.65 CHF** with **CSS** (Hausarztversicherung Profit model) and the most expensive is 170.85 CHF with Groupe Mutuel – Mutuel (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (0 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 109.65 | 103.85 | 98.05 | 92.15 | 86.35 | — | 74.65 | +1.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 110.15 | — | 99.55 | 94.35 | 89.05 | 83.75 | 78.45 | +5.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 110.25 | — | — | — | — | 81.15 | — | +0.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 110.25 | — | — | — | — | 81.15 | — | +1.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 110.25 | — | — | — | — | 81.15 | — | +1.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 110.25 | — | — | — | — | 81.15 | — | +1.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 112.05 | — | 101.25 | 95.95 | 90.65 | 85.15 | 79.85 | +5.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 112.75 | — | 103.55 | — | 94.15 | — | 84.75 | +3.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 112.95 | — | — | — | — | 83.85 | — | +0.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 112.95 | — | — | — | — | 83.85 | — | New tariff 2026 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 113.35 | 107.95 | 102.65 | 98.15 | 91.95 | 85.85 | — | +4.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 115.05 | 109.25 | 103.45 | 97.55 | 91.75 | — | 80.05 | +2.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 115.55 | — | — | — | — | 86.45 | — | +0.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 115.75 | 109.95 | 104.15 | 98.25 | 92.45 | 86.65 | 80.75 | +7.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 115.75 | 109.95 | 104.15 | 98.25 | 92.45 | 86.65 | 80.75 | +7.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 116.45 | 110.65 | 104.85 | 98.95 | 93.15 | 87.35 | 81.45 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 116.45 | 110.65 | 104.85 | 98.95 | 93.15 | 87.35 | 81.45 | +4.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 116.85 | — | — | — | — | 87.75 | — | +0.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 117.05 | 111.25 | 105.45 | 99.55 | 93.75 | 87.95 | 82.05 | +7.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 117.05 | 111.25 | 105.45 | 99.55 | 93.75 | 87.95 | 82.05 | +7.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 117.25 | 116.35 | 115.35 | 114.35 | 113.35 | 112.35 | — | +4.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 118.85 | 113.75 | 108.65 | 103.45 | 98.55 | 93.25 | 88.05 | +11.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 119.15 | 113.35 | 107.55 | 101.65 | 95.85 | 90.05 | 84.15 | +7.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 119.15 | 113.35 | 107.55 | 101.65 | 95.85 | 90.05 | 84.15 | +4.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 120.15 | 114.35 | 108.55 | 102.75 | 96.85 | 91.05 | — | +4.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 120.15 | — | 110.25 | — | 100.35 | — | 90.35 | +6.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 120.15 | — | 110.25 | — | 100.35 | — | 90.35 | +3.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 120.85 | 115.05 | 109.25 | 103.35 | 97.55 | — | 85.85 | +6.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Care network (Delta) | 120.85 | 115.05 | 109.25 | 103.35 | 97.55 | 91.75 | 85.85 | +4.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 121.55 | 115.75 | 109.95 | 104.05 | 98.25 | — | 86.55 | +4.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 121.65 | — | 111.65 | — | 101.55 | — | 91.55 | +2.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 121.65 | 116.45 | 111.25 | 105.85 | 100.95 | 95.45 | 90.15 | +11.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 121.65 | 115.85 | 110.05 | 104.15 | 98.35 | 92.55 | 86.65 | +4.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 121.65 | 115.75 | 109.95 | 104.15 | 98.25 | 92.45 | 86.65 | +7.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 122.25 | — | 110.55 | 104.75 | 98.95 | 93.05 | 87.25 | +5.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 122.35 | 116.55 | 110.75 | 104.85 | 99.05 | 93.25 | 87.35 | +4.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 123.05 | 117.75 | 112.45 | 107.15 | 102.15 | 96.55 | 91.25 | +11.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 123.05 | 117.25 | 111.35 | 105.55 | 99.75 | 93.85 | 88.05 | +8.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 124.35 | 118.95 | 113.65 | 108.15 | 102.85 | 97.55 | 92.05 | +2.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 124.35 | 118.95 | 113.65 | 108.15 | 102.85 | 97.55 | 92.05 | +2.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 124.95 | — | 113.35 | — | 101.65 | — | 89.95 | +1.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 124.95 | — | 113.35 | — | 101.65 | — | 89.95 | +5.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 124.95 | — | 113.35 | — | 101.65 | — | 89.95 | +1.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 126.75 | 125.85 | 124.85 | 123.85 | 122.85 | 121.85 | — | +1.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 127.15 | — | 115.55 | — | 103.85 | — | 92.15 | +1.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 127.55 | — | — | — | — | 98.45 | — | +0.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 128.35 | 122.55 | 116.75 | 110.85 | 105.05 | — | 93.35 | +1.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 129.25 | — | 120.55 | — | 108.85 | — | 97.15 | +0.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 130.95 | 125.15 | 119.35 | 113.55 | 107.65 | 101.85 | — | +4.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 131.45 | 130.45 | 129.45 | 128.45 | 127.45 | 126.45 | — | +3.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 131.65 | 125.85 | 120.05 | — | 108.35 | — | 96.65 | +0.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 131.85 | — | 121.15 | — | 110.25 | — | 99.45 | +3.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 134.75 | 128.95 | 123.15 | — | 111.45 | — | 99.75 | +3.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 135.05 | 129.25 | 123.45 | 117.55 | 111.75 | 105.95 | 100.05 | New tariff 2026 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 135.55 | 129.75 | 123.95 | 118.05 | 112.25 | 106.45 | 100.65 | +2.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 135.75 | 129.95 | 124.15 | 118.25 | 112.75 | 106.65 | 100.75 | +11.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 135.85 | — | 127.15 | — | 115.55 | — | 103.85 | +4.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 135.85 | 129.95 | 124.15 | 118.35 | 112.45 | 106.65 | 100.85 | +7.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 135.85 | 129.95 | 124.15 | 118.35 | 112.45 | 106.65 | 100.85 | +7.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 136.05 | 130.25 | 124.45 | 118.55 | 112.75 | 106.95 | 101.05 | +6.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 136.35 | 130.55 | 124.75 | 118.85 | 113.05 | 107.25 | 101.35 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 136.35 | 130.55 | 124.75 | 118.85 | 113.05 | 107.25 | 101.35 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 136.35 | 130.55 | 124.75 | 118.85 | 113.05 | 107.25 | 101.35 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 136.35 | 130.55 | 124.75 | 118.85 | 113.05 | 107.25 | 101.35 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 136.55 | 130.75 | 124.95 | 119.05 | 113.25 | 107.45 | 101.55 | New tariff 2026 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 137.05 | 131.25 | 125.45 | — | 113.75 | — | 102.05 | +3.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 137.25 | 131.45 | 125.55 | 119.75 | 113.95 | 108.05 | 102.25 | +7.2 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 137.85 | 133.00 | 126.40 | 120.70 | 114.95 | 109.25 | 103.55 | +5.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 137.95 | 132.15 | 126.35 | 120.45 | 114.65 | 108.85 | 102.95 | New tariff 2026 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 138.55 | 132.75 | 126.95 | 121.05 | 115.25 | 109.45 | 103.55 | +5.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 139.35 | 133.55 | 127.75 | 121.85 | 116.05 | 110.25 | 104.35 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 139.35 | — | 127.75 | — | 116.05 | — | 104.35 | +1.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 140.15 | 134.35 | 128.55 | 122.65 | 116.85 | 111.05 | 105.15 | +4.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 140.85 | 135.05 | 129.25 | 123.35 | 117.55 | 111.75 | 105.85 | +6.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 141.35 | 135.55 | 129.75 | 123.85 | 118.05 | 112.25 | 106.35 | +4.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 142.15 | — | 130.55 | — | 118.85 | — | 107.15 | +3.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 142.55 | — | 131.65 | — | 119.95 | — | 108.25 | +1.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 142.75 | — | 131.05 | — | 119.35 | — | 107.75 | +11.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 143.15 | 137.25 | 131.45 | 125.65 | 119.75 | 113.95 | 108.15 | +2.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 143.25 | — | 131.65 | — | 119.95 | — | 108.25 | +0.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 143.25 | — | 131.65 | — | 119.95 | — | 108.25 | +0.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 143.25 | — | 131.65 | — | 119.95 | — | 108.25 | +0.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 143.35 | 137.55 | 131.75 | — | 120.05 | — | 108.35 | +3.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 143.35 | 137.55 | 131.75 | 125.85 | 120.05 | 114.25 | 108.35 | +4.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 144.45 | — | 132.75 | — | 121.05 | — | 109.45 | +10.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 144.75 | 138.95 | 133.15 | 127.25 | 121.45 | 115.65 | 109.75 | +2.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 145.25 | — | 133.65 | — | 121.95 | — | 110.25 | +11.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 146.45 | 140.65 | 134.85 | 128.95 | 123.15 | 117.35 | 111.45 | +3.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 146.95 | 141.15 | 135.25 | 129.45 | 123.65 | 117.75 | 111.95 | −7.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 146.95 | 141.15 | 135.25 | 129.45 | 123.65 | 117.75 | 111.95 | +2.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 148.15 | 142.35 | 136.55 | 130.65 | 124.85 | 119.05 | 113.15 | +3.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 148.15 | 142.35 | 136.45 | 130.65 | 124.85 | 118.95 | 113.15 | +2.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 148.75 | — | 137.05 | — | 125.45 | — | 113.75 | +10.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 149.65 | — | 137.95 | — | 126.25 | — | 114.65 | +9.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 151.15 | 145.35 | 139.55 | — | 127.85 | — | 116.15 | +3.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 151.55 | 145.75 | 139.95 | 134.05 | 128.25 | 122.45 | 116.55 | +9.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 151.55 | 145.75 | 139.95 | 134.05 | 128.25 | 122.45 | 116.55 | +2.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 152.45 | 146.65 | 140.85 | 134.95 | 129.15 | 123.35 | 117.45 | +9.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 154.55 | 148.75 | 142.95 | 137.05 | 131.25 | 125.45 | 119.55 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 154.55 | 148.75 | 142.95 | 137.05 | 131.25 | 125.45 | 119.55 | New tariff 2026 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 155.05 | 149.25 | 143.45 | 137.55 | 131.75 | 125.95 | 120.05 | +9.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 155.05 | 149.25 | 143.45 | 137.55 | 131.75 | 125.95 | 120.05 | +9.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 155.35 | 149.55 | 143.75 | 137.85 | 132.05 | 126.25 | 120.35 | +4.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 161.35 | 155.55 | 149.75 | 143.85 | 138.05 | 132.25 | 126.35 | −3.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 161.55 | 155.75 | 149.95 | 144.05 | 138.25 | 132.45 | 126.55 | +2.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 161.55 | 155.75 | 149.95 | 144.05 | 138.25 | 132.45 | 126.55 | +2.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 161.55 | 155.75 | 149.95 | 144.05 | 138.25 | 132.45 | 126.55 | +2.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 161.55 | 155.75 | 149.95 | 144.05 | 138.25 | 132.45 | 126.55 | +2.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 163.05 | — | — | 145.55 | — | — | 128.05 | +6.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 163.25 | 157.45 | 151.55 | 145.75 | 139.95 | 134.05 | 128.25 | +2.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 164.15 | 158.35 | 152.55 | 146.65 | 140.85 | 135.05 | 129.15 | +2.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 167.75 | — | 156.15 | — | 144.45 | — | 132.75 | +10.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 170.85 | 165.05 | 159.25 | 153.35 | 147.55 | 141.75 | 135.85 | +9.1 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Fribourg for a child aged 0 to 18 with a deductible of 0 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/), the cheapest offer in [Fribourg](https://praemiencheck.onedoc.ch/en/fr/fribourg/) is CSS (Hausarztversicherung Profit) at 109.65 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 122.25 CHF a month.

### How much does health insurance cost in Fribourg in 2026 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/fr/fribourg/child/) with a deductible of 0 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/), monthly premiums run from 109.65 CHF (CSS, Hausarztversicherung Profit) to 170.85 CHF (Groupe Mutuel – Mutuel, Standard model): 113 offers from 23 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 116.75 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Fribourg for a child aged 0 to 18 with accident cover?

On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 109.65 CHF a month with the 0 CHF deductible to 74.65 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/deductible-600/): 35.00 CHF less a month, 420.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 467 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Fribourg for a child aged 0 to 18: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a child aged 0 to 18 with a deductible of 0 CHF and with accident cover, the cheapest premium per model is: standard model 122.25 CHF (Agrisano), family doctor / HMO 109.65 CHF (CSS), flexible model 110.25 CHF (Helsana), telemedicine 110.15 CHF (Agrisano).

### Does a second or third child pay less in Fribourg?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 15 of the 23 insurers present in Fribourg file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Visana | Managed Care | 115.75 CHF | 45.45 CHF from the 3rd child |
| Agrisano | AGRIcontact | 110.15 CHF | 47.25 CHF from the 3rd child |
| SWICA | FAVORIT MEDPHARM | 129.25 CHF | 50.95 CHF from the 3rd child |
| sana24 | Managed Care | 143.15 CHF | 52.15 CHF from the 3rd child |
| Galenos | Managed Care | 146.95 CHF | 53.55 CHF from the 3rd child |
| Aquilana | SMARTMED | 113.35 CHF | 54.15 CHF from the 3rd child |
| CONCORDIA | HMO | 117.05 CHF | 56.55 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 124.35 CHF | 59.65 CHF from the 3rd child |
| rhenusana | Standard model | 163.05 CHF | 78.95 CHF from the 3rd child |
| EGK | EGK-TelCare | 117.25 CHF | 100.95 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 138.55 CHF | 102.65 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 118.85 CHF | 106.45 CHF from the 3rd child |
| Groupe Mutuel – Philos | OptiMed | 144.75 CHF | 107.25 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 151.55 CHF | 112.35 CHF from the 5th child |
| Assura | FeminaVita | 116.45 CHF | 114.85 CHF from the 4th child, 113.15 CHF from the 5th child |

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

### Why is the FOPH-approved premium higher than the price shown?

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 114.80 CHF at CSS (Hausarztversicherung Profit) gives 109.65 CHF after redistribution.

### Until when can I change health insurer for 2026?

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Fribourg is in region 1 of canton Fribourg.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/deductible-0/

## Related pages

- Health insurance premiums 2026 in Fribourg (FR): every situation: https://praemiencheck.onedoc.ch/en/fr/fribourg/
- Premiums 2026 in Fribourg (FR), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/fr/fribourg/child/
- Premiums 2026 in Fribourg (FR), child, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/fr/fribourg/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/fr/fribourg/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/fr/fribourg/child/no-accident/deductible-0/
- Deductible Premiums 2026 in Fribourg (FR), child, deductible of 100 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/deductible-100/
- Deductible Premiums 2026 in Fribourg (FR), child, deductible of 200 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/deductible-200/
- Deductible Premiums 2026 in Fribourg (FR), child, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/deductible-300/
- Deductible Premiums 2026 in Fribourg (FR), child, deductible of 400 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/deductible-400/
- Deductible Premiums 2026 in Fribourg (FR), child, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/deductible-500/
- Deductible Premiums 2026 in Fribourg (FR), child, deductible of 600 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/fr/fribourg/child/with-accident/deductible-0/ — replace `fr` with your canton’s two-letter code (ge, vd, zh…), `fribourg` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-0` with `deductible-600` for another deductible. Markdown version: add `.md`.