CPTwin.doc or CPTwin.easy — Region 3, Lucerne
Region 3, Lucerne: with KPT, CPTwin.doc costs CHF 441.50 a month in 2026 and CPTwin.easy CHF 452.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
CPTwin.doc is the cheaper of the two here: CHF 135.60 saved per year against CPTwin.easy, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
CPTwin.doc is a "Family doctor" model. CPTwin.easy is a "Telemedicine and others" model.
- CPTwin.doc
Family doctor
You pick a family doctor and always go to them first.
- CPTwin.easy
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | CPTwin.doc | CPTwin.easy | Gap per year |
|---|---|---|---|
| 300 | CHF 441.50 | CHF 452.80 | CHF 135.60 |
| 500 | CHF 429.90 | CHF 441.20 | CHF 135.60 |
| 1'000 | CHF 400.70 | CHF 412.00 | CHF 135.60 |
| 1'500 | CHF 371.50 | CHF 382.80 | CHF 135.60 |
| 2'500 | CHF 313.20 | CHF 324.50 | CHF 135.60 |
The comparison, region by region
- CPTwin.doc or CPTwin.easy?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.