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CPTwin.doc or CPTwin.plus — Region 2, Bern

Region 2, Bern: with KPT, CPTwin.doc costs CHF 539.60 a month in 2026 and CPTwin.plus CHF 534.80, 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 57.60 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 539.60CHF 534.80CHF 57.60
500CHF 528.00CHF 523.20CHF 57.60
1'000CHF 498.80CHF 494.00CHF 57.60
1'500CHF 469.60CHF 464.80CHF 57.60
2'500CHF 411.30CHF 406.50CHF 57.60

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.