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CPTwin.doc or KPTwin.smart — Region 1, Lucerne

Region 1, Lucerne: with KPT, CPTwin.doc costs CHF 498.70 a month in 2026 and KPTwin.smart CHF 503.40, 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 56.40 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

DeductibleCPTwin.docKPTwin.smartGap per year
300CHF 498.70CHF 503.40CHF 56.40
500CHF 487.10CHF 491.80CHF 56.40
1'000CHF 457.90CHF 462.60CHF 56.40
1'500CHF 428.70CHF 433.40CHF 56.40
2'500CHF 370.40CHF 375.10CHF 56.40

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.