Key points at a glance
Living in Torny (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 Torny you don't save by taking less protection — you save through the right insurer, deductible and model.
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. Torny has roughly 963 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Torny, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: La Brillaz (3 km), Châtonnaye (3 km), Trey (4 km).
Torny at a glance: your local context
Torny, a municipality of roughly 963 residents in the canton of Fribourg, has its own profile when it comes to health insurance. Torny 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 963
- Canton: Fribourg
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 1748
- Federal municipality number (BFS): 2115
Applying for premium subsidies around Torny: compare neighbouring municipalities
Living or working near Torny? 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 La Brillaz — 2.5 km away
- Applying for premium subsidies in Châtonnaye — 3.1 km away
- Applying for premium subsidies in Trey — 3.8 km away
- Applying for premium subsidies in Prez — 4.1 km away
- Applying for premium subsidies in Villarzel — 4.2 km away
- Applying for premium subsidies in Chénens — 4.5 km away
- Applying for premium subsidies in Fétigny-Ménières — 5.2 km away
- Applying for premium subsidies in Fétigny — 5.2 km away
- Applying for premium subsidies in Villaz — 5.2 km away
- Applying for premium subsidies in Montagny — 5.3 km away
Health insurance premiums 2026 in Torny: the real numbers
In Torny, 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 | — |
That is exactly what our comparison does: it ranks the 73 insurers active in Torny from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Torny: choosing insurer, deductible and model
You steer your premium in Torny 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 Torny 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.
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 Torny
- 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 Torny →
How we work for Torny
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 Torny 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 Torny (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Torny?
In Torny (postal code 1748), 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 Torny have the same premiums?
Not necessarily. Torny and nearby municipalities such as La Brillaz (3 km), Châtonnaye (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 Torny?
No. It explains the insurance and tax concepts for residents of Torny (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 Torny with no obligation?
Of course. The starting point is your situation in Torny; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
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Important notes
This local guide for Torny 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.