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CPTwin.doc or CPTwin.plus — Region 3, Lucerne

Region 3, Lucerne: with KPT, CPTwin.doc costs CHF 441.50 a month in 2026 and CPTwin.plus CHF 449.00, 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 90.00 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

DeductibleCPTwin.docCPTwin.plusGap per year
300CHF 441.50CHF 449.00CHF 90.00
500CHF 429.90CHF 437.40CHF 90.00
1'000CHF 400.70CHF 408.20CHF 90.00
1'500CHF 371.50CHF 379.00CHF 90.00
2'500CHF 313.20CHF 320.70CHF 90.00

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.