Key points at a glance
This page is written for residents of Saint-Martin, 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 Saint-Martin, 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. Saint-Martin has roughly 1’005 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Saint-Martin, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Chapelle (3 km), Maracon (3 km), Oron (3 km).
Saint-Martin at a glance: your local context
Saint-Martin, a municipality of roughly 1’005 residents in the canton of Fribourg, has its own profile when it comes to health insurance. For health insurance premiums, Saint-Martin 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 1’005
- Canton: Fribourg
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 1609
- Federal municipality number (BFS): 2335
Health insurance and supplementary cover around Saint-Martin: compare neighbouring municipalities
Living or working near Saint-Martin? 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 Chapelle — 2.5 km away
- Health insurance and supplementary cover in Maracon — 2.9 km away
- Health insurance and supplementary cover in Oron — 3.2 km away
- Health insurance and supplementary cover in Le Flon — 3.9 km away
- Health insurance and supplementary cover in Auboranges — 5.1 km away
- Health insurance and supplementary cover in La Verrerie — 5.3 km away
- Health insurance and supplementary cover in Rue — 5.3 km away
- Health insurance and supplementary cover in Semsales — 5.4 km away
- Health insurance and supplementary cover in Ecublens — 5.8 km away
- Health insurance and supplementary cover in Ursy — 6.1 km away
Health insurance premiums 2026 in Saint-Martin: the real numbers
The range in Saint-Martin is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 450 to 618 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’010 francs a year, without giving anything up. 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 Saint-Martin from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Saint-Martin →
Basic insurance in Saint-Martin: choosing insurer, deductible and model
You steer your premium in Saint-Martin 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 Saint-Martin 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 Saint-Martin
- 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 Saint-Martin →
How we work for Saint-Martin
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 Saint-Martin 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 Saint-Martin (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Saint-Martin?
In Saint-Martin (postal code 1609), 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 Saint-Martin have the same premiums?
Not necessarily. Saint-Martin and nearby municipalities such as Chapelle (3 km), Maracon (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 Saint-Martin?
No, it is for orientation in Saint-Martin. 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 "Health insurance and supplementary cover" in Saint-Martin with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Saint-Martin follow. The comparison is free, and no offer is binding.
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Important notes
All information is provided without guarantee and may be affected by changes to the law or rates. No figure on this page creates a contractual entitlement: always check the definitive values with your insurer, the FOPH or your canton before you decide.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.