KPT CPTwin.doc — Appenzell Innerrhoden
Appenzell Innerrhoden: the CPTwin.doc model from KPT costs CHF 379.60 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 379.60, CPTwin.doc is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.doc costs CHF 532.80 less per year than KPT's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 379.60 | CHF 353.00 |
| 500 | CHF 368.00 | CHF 342.20 |
| 1'000 | CHF 338.80 | CHF 315.10 |
| 1'500 | CHF 309.60 | CHF 287.90 |
| 2'500 | CHF 251.30 | CHF 233.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 311.10 | CHF 289.30 |
| 500 | CHF 299.50 | CHF 278.50 |
| 1'000 | CHF 270.30 | CHF 251.40 |
| 1'500 | CHF 241.10 | CHF 224.20 |
| 2'500 | CHF 182.80 | CHF 170.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 86.60 | CHF 80.50 |
| 200 | CHF 76.80 | CHF 71.40 |
| 400 | CHF 66.80 | CHF 62.10 |
| 600 | CHF 56.90 | CHF 52.90 |
The price, region by region
- Aargau
- 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
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.