Key points at a glance
Living in Fräschels (canton of Fribourg) and want to stay on top of your health insurance? Here are the essentials: compulsory basic insurance (LAMal) covers exactly the same benefits at every insurer, so in Fräschels you don't save by taking less protection — you save through the right insurer, deductible and model.
What sets your premium is your FOPH premium region (Fräschels 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. Fräschels has roughly 464 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Fräschels, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Chiètres (2 km), Finsterhennen (3 km), Treiten (3 km).
Fräschels at a glance: your local context
Fräschels, a municipality of roughly 464 residents in the canton of Fribourg, has its own profile when it comes to health insurance. For health insurance premiums, Fräschels 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 464
- Canton: Fribourg
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 3284
- Federal municipality number (BFS): 2258
Health insurance and supplementary cover around Fräschels: compare neighbouring municipalities
Around Fräschels, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Health insurance and supplementary cover in Chiètres — 1.9 km away
- Health insurance and supplementary cover in Finsterhennen — 2.8 km away
- Health insurance and supplementary cover in Treiten — 2.8 km away
- Health insurance and supplementary cover in Siselen — 3.6 km away
- Health insurance and supplementary cover in Kallnach — 3.7 km away
- Health insurance and supplementary cover in Müntschemier — 4.1 km away
- Health insurance and supplementary cover in Niederried bei Kallnach — 4.1 km away
- Health insurance and supplementary cover in Wileroltigen — 4.3 km away
- Health insurance and supplementary cover in Ried bei Kerzers — 4.3 km away
- Health insurance and supplementary cover in Brüttelen — 4.6 km away
Health insurance premiums 2026 in Fräschels: the real numbers
Concretely for Fräschels: the 2026 adult premium (deductible 300 CHF) is between 450 and 618 francs a month depending on the provider. Because the scope of basic insurance is identical by law, the choice of insurer alone decides up to 2’010 francs of difference 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 | — |
That is exactly what our comparison does: it ranks the 73 insurers active in Fräschels from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Fräschels →
Basic insurance in Fräschels: choosing insurer, deductible and model
Three decisions drive your premium in Fräschels. 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 Fräschels 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.
Mind the deadlines: for a switch on 1 January, the cancellation must have reached the old insurer by 30 November — what counts is receipt, not the postmark. And check the premium subsidy in the canton of Fribourg: the entitlement goes surprisingly often unclaimed.
Checklist for Fräschels
- 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 Fräschels →
How we work for Fräschels
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 Fräschels 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 Fräschels (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Fräschels?
In Fräschels (postal code 3284), 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 Fräschels have the same premiums?
Not necessarily. Fräschels and nearby municipalities such as Chiètres (2 km), Finsterhennen (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 Fräschels?
No. It explains the insurance and tax concepts for residents of Fräschels (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 Fräschels with no obligation?
Of course. The starting point is your situation in Fräschels; 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?
Your details are transmitted through our secure infrastructure — solely with your explicit consent. The purposes, recipients and retention periods are described in the 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.