CPTwin.doc or CPTwin.plus — Region 1, St. Gallen
Region 1, St. Gallen: with KPT, CPTwin.doc costs CHF 509.80 a month in 2026 and CPTwin.plus CHF 491.80, 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 216.00 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
| Deductible | CPTwin.doc | CPTwin.plus | Gap per year |
|---|---|---|---|
| 300 | CHF 509.80 | CHF 491.80 | CHF 216.00 |
| 500 | CHF 498.20 | CHF 480.20 | CHF 216.00 |
| 1'000 | CHF 469.00 | CHF 451.00 | CHF 216.00 |
| 1'500 | CHF 439.80 | CHF 421.80 | CHF 216.00 |
| 2'500 | CHF 381.50 | CHF 363.50 | CHF 216.00 |
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 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- 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.