CPTwin.doc or KPTwin.smart — Region 2, Grisons
Region 2, Grisons: with KPT, CPTwin.doc costs CHF 447.90 a month in 2026 and KPTwin.smart CHF 456.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
CPTwin.doc is the cheaper of the two here: CHF 98.40 saved per year against KPTwin.smart, 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 447.90 | CHF 456.10 | CHF 98.40 |
| 500 | CHF 436.30 | CHF 444.50 | CHF 98.40 |
| 1'000 | CHF 407.10 | CHF 415.30 | CHF 98.40 |
| 1'500 | CHF 377.90 | CHF 386.10 | CHF 98.40 |
| 2'500 | CHF 319.60 | CHF 327.80 | CHF 98.40 |
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
- Geneva
- Glarus
- Grisons — Region 1
- 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.