Key points at a glance
Living in Val-de-Charmey (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 Val-de-Charmey 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. Val-de-Charmey has roughly 2’483 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Val-de-Charmey, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Châtel-sur-Montsalvens (2 km), Crésuz (2 km), Botterens (4 km).
Val-de-Charmey at a glance: your local context
Val-de-Charmey, a municipality of roughly 2’483 residents in the canton of Fribourg, has its own profile when it comes to health insurance. Val-de-Charmey 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 2’483
- Canton: Fribourg
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 1637
- Federal municipality number (BFS): 2163
Applying for premium subsidies around Val-de-Charmey: compare neighbouring municipalities
Living or working near Val-de-Charmey? 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 Châtel-sur-Montsalvens — 2.4 km away
- Applying for premium subsidies in Crésuz — 2.4 km away
- Applying for premium subsidies in Botterens — 3.7 km away
- Applying for premium subsidies in Broc — 5.4 km away
- Applying for premium subsidies in Morlon — 6.4 km away
- Applying for premium subsidies in Hauteville — 6.5 km away
- Applying for premium subsidies in Corbières — 7.3 km away
- Applying for premium subsidies in Echarlens — 7.3 km away
- Applying for premium subsidies in Gruyères — 7.4 km away
- Applying for premium subsidies in Riaz — 7.7 km away
Health insurance premiums 2026 in Val-de-Charmey: the real numbers
Concretely for Val-de-Charmey: 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 Val-de-Charmey from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Val-de-Charmey →
Basic insurance in Val-de-Charmey: choosing insurer, deductible and model
Three decisions drive your premium in Val-de-Charmey. 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 Val-de-Charmey 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.
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 Val-de-Charmey
- 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 Val-de-Charmey →
How we work for Val-de-Charmey
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 Val-de-Charmey 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 Val-de-Charmey (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Val-de-Charmey?
In Val-de-Charmey (postal code 1637), 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 Val-de-Charmey have the same premiums?
Not necessarily. Val-de-Charmey and nearby municipalities such as Châtel-sur-Montsalvens (2 km), Crésuz (2 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 Val-de-Charmey?
No. It explains the insurance and tax concepts for residents of Val-de-Charmey (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 Val-de-Charmey with no obligation?
Of course. The starting point is your situation in Val-de-Charmey; 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
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.