CPTwin.doc or CPTwin.easy — Region 3, St. Gallen
Region 3, St. Gallen: with KPT, CPTwin.doc costs CHF 450.80 a month in 2026 and CPTwin.easy CHF 454.60, 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 45.60 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 450.80 | CHF 454.60 | CHF 45.60 |
| 500 | CHF 439.20 | CHF 443.00 | CHF 45.60 |
| 1'000 | CHF 410.00 | CHF 413.80 | CHF 45.60 |
| 1'500 | CHF 380.80 | CHF 384.60 | CHF 45.60 |
| 2'500 | CHF 322.50 | CHF 326.30 | CHF 45.60 |
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
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- 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.