CPTwin.doc or KPTwin.smart — Region 3, Zurich
Region 3, Zurich: with KPT, CPTwin.doc costs CHF 498.60 a month in 2026 and KPTwin.smart CHF 476.80, 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 261.60 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 498.60 | CHF 476.80 | CHF 261.60 |
| 500 | CHF 487.00 | CHF 465.20 | CHF 261.60 |
| 1'000 | CHF 457.80 | CHF 436.00 | CHF 261.60 |
| 1'500 | CHF 428.60 | CHF 406.80 | CHF 261.60 |
| 2'500 | CHF 370.30 | CHF 348.50 | CHF 261.60 |
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
- 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
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.