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CPTwin.doc or CPTwin.plus — Region 3, St. Gallen

Region 3, St. Gallen: with KPT, CPTwin.doc costs CHF 450.80 a month in 2026 and CPTwin.plus CHF 435.60, 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 182.40 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 450.80CHF 435.60CHF 182.40
500CHF 439.20CHF 424.00CHF 182.40
1'000CHF 410.00CHF 394.80CHF 182.40
1'500CHF 380.80CHF 365.60CHF 182.40
2'500CHF 322.50CHF 307.30CHF 182.40

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.