CPTwin.doc or CPTwin.win — Region 2, Bern
Region 2, Bern: with KPT, CPTwin.doc costs CHF 539.60 a month in 2026 and CPTwin.win CHF 520.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
CPTwin.win is the cheaper of the two here: CHF 234.00 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 and CPTwin.win are both "Family doctor" models. The exact conditions still differ from one product to the other: ask the insurer before signing.
- CPTwin.doc
Family doctor
You pick a family doctor and always go to them first.
- CPTwin.win
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | CPTwin.doc | CPTwin.win | Gap per year |
|---|---|---|---|
| 300 | CHF 539.60 | CHF 520.10 | CHF 234.00 |
| 500 | CHF 528.00 | CHF 508.50 | CHF 234.00 |
| 1'000 | CHF 498.80 | CHF 479.30 | CHF 234.00 |
| 1'500 | CHF 469.60 | CHF 450.10 | CHF 234.00 |
| 2'500 | CHF 411.30 | CHF 391.80 | CHF 234.00 |
The comparison, region by region
- CPTwin.doc or CPTwin.win?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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
- Obwalden
- 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
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.