CPTwin.doc or CPTwin.plus — Region 2, Lucerne
Region 2, Lucerne: with KPT, CPTwin.doc costs CHF 450.80 a month in 2026 and CPTwin.plus CHF 466.80, 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 192.00 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
| Deductible | CPTwin.doc | CPTwin.plus | Gap per year |
|---|---|---|---|
| 300 | CHF 450.80 | CHF 466.80 | CHF 192.00 |
| 500 | CHF 439.20 | CHF 455.20 | CHF 192.00 |
| 1'000 | CHF 410.00 | CHF 426.00 | CHF 192.00 |
| 1'500 | CHF 380.80 | CHF 396.80 | CHF 192.00 |
| 2'500 | CHF 322.50 | CHF 338.50 | CHF 192.00 |
The comparison, region by region
- CPTwin.doc or CPTwin.plus?
- 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 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.