CPTwin.doc or KPTwin.smart — Aargau
Aargau: with KPT, CPTwin.doc costs CHF 506.40 a month in 2026 and KPTwin.smart CHF 488.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
KPTwin.smart 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. KPTwin.smart is a "Telemedicine and others" model.
- CPTwin.doc
Family doctor
You pick a family doctor and always go to them first.
- KPTwin.smart
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | CPTwin.doc | KPTwin.smart | Gap per year |
|---|---|---|---|
| 300 | CHF 506.40 | CHF 488.40 | CHF 216.00 |
| 500 | CHF 494.80 | CHF 476.80 | CHF 216.00 |
| 1'000 | CHF 465.60 | CHF 447.60 | CHF 216.00 |
| 1'500 | CHF 436.40 | CHF 418.40 | CHF 216.00 |
| 2'500 | CHF 378.10 | CHF 360.10 | CHF 216.00 |
The comparison, region by region
- CPTwin.doc or KPTwin.smart?
- 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
- 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.