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CPTwin.doc or CPTwin.plus — Region 1, Bern

Region 1, Bern: with KPT, CPTwin.doc costs CHF 600.60 a month in 2026 and CPTwin.plus CHF 595.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

CPTwin.plus is the cheaper of the two here: CHF 67.20 saved per year against CPTwin.doc, 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.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 price at every deductible

DeductibleCPTwin.docCPTwin.plusGap per year
300CHF 600.60CHF 595.00CHF 67.20
500CHF 589.00CHF 583.40CHF 67.20
1'000CHF 559.80CHF 554.20CHF 67.20
1'500CHF 530.60CHF 525.00CHF 67.20
2'500CHF 472.30CHF 466.70CHF 67.20

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.