CPTwin.doc or KPTwin.smart — Region 3, Grisons
Region 3, Grisons: with KPT, CPTwin.doc costs CHF 460.00 a month in 2026 and KPTwin.smart CHF 460.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here CPTwin.doc and KPTwin.smart cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
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 460.00 | CHF 460.00 | — |
| 500 | CHF 448.40 | CHF 448.40 | — |
| 1'000 | CHF 419.20 | CHF 419.20 | — |
| 1'500 | CHF 390.00 | CHF 390.00 | — |
| 2'500 | CHF 331.70 | CHF 331.70 | — |
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 2
- 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.