Key points at a glance
This page is written for residents of Cottens, in the canton of Fribourg, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Cottens, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
What sets your premium is your FOPH premium region (Cottens belongs to region 2 in the canton of Fribourg) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Cottens has roughly 1’509 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Cottens, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Autigny (1 km), Neyruz (3 km), La Brillaz (3 km).
Cottens at a glance: your local context
Cottens, a municipality of roughly 1’509 residents in the canton of Fribourg, has its own profile when it comes to health insurance. For health insurance premiums, Cottens belongs to FOPH premium region 2 of the canton of Fribourg. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 1’509
- Canton: Fribourg
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 1741
- Federal municipality number (BFS): 2186
Health insurance and supplementary cover around Cottens: compare neighbouring municipalities
Living or working near Cottens? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Health insurance and supplementary cover in Autigny — 1.2 km away
- Health insurance and supplementary cover in Neyruz — 3.1 km away
- Health insurance and supplementary cover in La Brillaz — 3.1 km away
- Health insurance and supplementary cover in Chénens — 3.1 km away
- Health insurance and supplementary cover in Le Glèbe — 3.7 km away
- Health insurance and supplementary cover in Gibloux — 4.0 km away
- Health insurance and supplementary cover in Prez — 4.2 km away
- Health insurance and supplementary cover in Avry — 4.5 km away
- Health insurance and supplementary cover in Villorsonnens — 4.5 km away
- Health insurance and supplementary cover in Torny — 5.4 km away
Health insurance premiums 2026 in Cottens: the real numbers
In Cottens, an adult with a 300 CHF deductible pays between 450 and 618 francs a month for basic insurance depending on the insurer — even though the benefits are, by law, exactly the same everywhere. For identical cover, the gap between the cheapest and the most expensive insurer reaches up to 2’010 francs a year. The lowest adult premium there comes with the "alternative model" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 450 – 618 CHF | from 337 CHF |
| Young adults (19–25) | 329 – 523 CHF | from 212 CHF |
| Children (0–18) | 30 – 149 CHF | — |
Our comparison tool does this work for you: the 73 insurers available for Cottens are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Cottens →
Basic insurance in Cottens: choosing insurer, deductible and model
Three decisions drive your premium in Cottens. First, the insurer: with legally identical benefits, it is the biggest lever for saving. Second, the deductible (300 to 2’500 CHF a year): if you rarely see a doctor and hold a reserve, the high deductible is usually the better deal; with regular treatment, choose the low one. For comparison: with a 2’500 CHF deductible, the adult premium in Cottens starts as low as 337 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of Fribourg — many households leave this reduction unused.
Checklist for Cottens
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of Fribourg.
Free premium comparison for Cottens →
How we work for Cottens
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of Fribourg. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Cottens this difference is measurable: 450–618 francs a month for adults, i.e. up to 2’010 francs a year across 73 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Cottens (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Cottens?
In Cottens (postal code 1741), the 2026 adult basic-insurance premium ranges from 450 to 618 francs a month depending on the insurer (deductible 300), from 329 francs for young adults and from 30 francs for children. For identical cover, the difference reaches up to 2’010 francs a year (FOPH premium region 2 of the canton of Fribourg). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Cottens have the same premiums?
Not necessarily. Cottens and nearby municipalities such as Autigny (1 km), Neyruz (3 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Cottens?
No. It explains the insurance and tax concepts for residents of Cottens (canton of Fribourg). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Cottens with no obligation?
Of course. The starting point is your situation in Cottens; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
This local guide for Cottens is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.