CPTwin.doc or KPTwin.smart — Geneva
Geneva: with KPT, CPTwin.doc costs CHF 657.80 a month in 2026 and KPTwin.smart CHF 626.60, 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 374.40 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. 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 657.80 | CHF 626.60 | CHF 374.40 |
| 500 | CHF 646.20 | CHF 615.00 | CHF 374.40 |
| 1'000 | CHF 617.00 | CHF 585.80 | CHF 374.40 |
| 1'500 | CHF 587.80 | CHF 556.60 | CHF 374.40 |
| 2'500 | CHF 529.50 | CHF 498.30 | CHF 374.40 |
The comparison, region by region
- CPTwin.doc or KPTwin.smart?
- 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
- 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.