Key points at a glance
This page is written for residents of Montilier, 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 Montilier, 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. Montilier has roughly 972 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Montilier, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Morat (2 km), Meyriez (3 km), Villars-les-Moines (3 km).
Montilier at a glance: your local context
Montilier, a municipality of roughly 972 residents in the canton of Fribourg, has its own profile when it comes to health insurance. Montilier 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 972
- Canton: Fribourg
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 3286
- Federal municipality number (BFS): 2274
Applying for premium subsidies around Montilier: compare neighbouring municipalities
Living or working near Montilier? 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 Morat — 1.6 km away
- Applying for premium subsidies in Meyriez — 2.7 km away
- Applying for premium subsidies in Villars-les-Moines — 2.9 km away
- Applying for premium subsidies in Mont-Vully — 2.9 km away
- Applying for premium subsidies in Greng — 3.4 km away
- Applying for premium subsidies in Haut-Vully — 3.8 km away
- Applying for premium subsidies in Courgevaux — 3.9 km away
- Applying for premium subsidies in Cressier — 4.3 km away
- Applying for premium subsidies in Ried bei Kerzers — 4.7 km away
- Applying for premium subsidies in Cormondes — 5.1 km away
Health insurance premiums 2026 in Montilier: the real numbers
Concretely for Montilier: 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 | — |
Our comparison tool does this work for you: the 73 insurers available for Montilier are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Montilier →
Basic insurance in Montilier: choosing insurer, deductible and model
You steer your premium in Montilier 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 Montilier 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 Montilier
- 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 Montilier →
How we work for Montilier
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 Montilier 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 Montilier (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Montilier?
In Montilier (postal code 3286), 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 Montilier have the same premiums?
Not necessarily. Montilier and nearby municipalities such as Morat (2 km), Meyriez (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 Montilier?
No, it is for orientation in Montilier. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Fribourg.
Can I compare "Applying for premium subsidies" in Montilier with no obligation?
Of course. The starting point is your situation in Montilier; 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 Montilier 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.