CPTwin.doc or CPTwin.plus?
KPT offers both: CPTwin.doc and CPTwin.plus. They are available together in 39 premium regions, and the cheaper of the two is not the same everywhere.
The cheaper one is not the same everywhere
Across 39 premium regions where both are offered, CPTwin.doc is cheaper in 7 and CPTwin.plus in 13. The average gap between them is CHF 100.15 a year.
The gap is widest in Geneva: CHF 374.40 a year.
What you accept in each case
CPTwin.doc is a "Family doctor" model. CPTwin.plus is a "Group practice (HMO)" model.
- CPTwin.doc
Family doctor
You pick a family doctor and always go to them first.
- CPTwin.plus
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The comparison, region by region
- 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
- 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
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.