Key points at a glance
Living in Ueberstorf (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 Ueberstorf 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. Ueberstorf has roughly 2’375 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Ueberstorf, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Wünnewil-Flamatt (3 km), Neuenegg (4 km), Heitenried (5 km).
Ueberstorf at a glance: your local context
Ueberstorf, a municipality of roughly 2’375 residents in the canton of Fribourg, has its own profile when it comes to health insurance. Ueberstorf 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 2’375
- Canton: Fribourg
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 3182
- Federal municipality number (BFS): 2308
Applying for premium subsidies around Ueberstorf: compare neighbouring municipalities
Around Ueberstorf, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Applying for premium subsidies in Wünnewil-Flamatt — 3.3 km away
- Applying for premium subsidies in Neuenegg — 4.0 km away
- Applying for premium subsidies in Heitenried — 4.9 km away
- Applying for premium subsidies in Schwarzenburg — 5.9 km away
- Applying for premium subsidies in Oberbalm — 5.9 km away
- Applying for premium subsidies in Schmitten — 6.2 km away
- Applying for premium subsidies in Bösingen — 7.8 km away
- Applying for premium subsidies in Laupen — 7.9 km away
- Applying for premium subsidies in Köniz — 9.2 km away
- Applying for premium subsidies in Frauenkappelen — 9.6 km away
Health insurance premiums 2026 in Ueberstorf: the real numbers
In Ueberstorf, 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 Ueberstorf are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Ueberstorf →
Basic insurance in Ueberstorf: choosing insurer, deductible and model
Three decisions drive your premium in Ueberstorf. 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 Ueberstorf 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 Ueberstorf
- 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 Ueberstorf →
How we work for Ueberstorf
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 Ueberstorf 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 Ueberstorf (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Ueberstorf?
In Ueberstorf (postal code 3182), 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 Ueberstorf have the same premiums?
Not necessarily. Ueberstorf and nearby municipalities such as Wünnewil-Flamatt (3 km), Neuenegg (4 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 Ueberstorf?
No, it is for orientation in Ueberstorf. 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 Ueberstorf with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Ueberstorf follow. The comparison is free, and no offer is binding.
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
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.