Key points at a glance
This page is written for residents of Cugy, 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 Cugy, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
Your premium depends on your FOPH/OFSP premium region (region 2 of the canton of Fribourg), never on your health: for basic insurance, every insurer must accept you. Cugy has roughly 1’752 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Cugy, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Les Montets (2 km), Fétigny (3 km), Fétigny-Ménières (3 km).
Cugy at a glance: your local context
Cugy, a municipality of roughly 1’752 residents in the canton of Fribourg, has its own profile when it comes to health insurance. Cugy lies in premium region 2 of the canton of Fribourg (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 1’752
- Canton: Fribourg
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 1482
- Federal municipality number (BFS): 2011
Applying for premium subsidies around Cugy: compare neighbouring municipalities
Living or working near Cugy? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Applying for premium subsidies in Les Montets — 1.8 km away
- Applying for premium subsidies in Fétigny — 2.7 km away
- Applying for premium subsidies in Fétigny-Ménières — 2.7 km away
- Applying for premium subsidies in Sévaz — 3.0 km away
- Applying for premium subsidies in Payerne — 3.2 km away
- Applying for premium subsidies in Ménières — 3.7 km away
- Applying for premium subsidies in Lully — 4.1 km away
- Applying for premium subsidies in Estavayer — 5.1 km away
- Applying for premium subsidies in Châtillon — 5.3 km away
- Applying for premium subsidies in Trey — 5.7 km away
Health insurance premiums 2026 in Cugy: the real numbers
In Cugy, 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 Cugy are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Cugy: choosing insurer, deductible and model
You steer your premium in Cugy with three levers. The insurer first — it costs nothing in benefits and brings the most. Then the deductible between 300 and 2’500 CHF: high deductible for healthy people with a financial cushion, low deductible for ongoing treatment or planned procedures. For comparison: with a 2’500 CHF deductible, the adult premium in Cugy starts as low as 337 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than 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 Cugy
- 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 Cugy →
How we work for Cugy
Our method has three steps: (1) we start from your real profile (age, deductible, model, accident cover); (2) we rank the insurers in your FOPH premium region for 2026 from cheapest to most expensive; (3) we check your entitlement to premium subsidies in the canton of Fribourg. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Cugy 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. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Cugy (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Cugy?
In Cugy (postal code 1482), 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 Cugy have the same premiums?
Not necessarily. Cugy and nearby municipalities such as Les Montets (2 km), Fétigny (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 Cugy?
No. It explains the insurance and tax concepts for residents of Cugy (canton of Fribourg). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Applying for premium subsidies" in Cugy with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Cugy follow. The comparison is free, and no offer is binding.
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
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.