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

Region 1, Lucerne: with KPT, CPTwin.doc costs CHF 498.70 a month in 2026 and CPTwin.plus CHF 526.90, 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 338.40 saved per year against CPTwin.plus, 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 498.70CHF 526.90CHF 338.40
500CHF 487.10CHF 515.30CHF 338.40
1'000CHF 457.90CHF 486.10CHF 338.40
1'500CHF 428.70CHF 456.90CHF 338.40
2'500CHF 370.40CHF 398.60CHF 338.40

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.