KPT CPTwin.doc — Region 2, Bern
Region 2, Bern: the CPTwin.doc model from KPT costs CHF 539.60 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 539.60, CPTwin.doc is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.doc costs CHF 940.80 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 539.60 | CHF 501.80 |
| 500 | CHF 528.00 | CHF 491.00 |
| 1'000 | CHF 498.80 | CHF 463.90 |
| 1'500 | CHF 469.60 | CHF 436.70 |
| 2'500 | CHF 411.30 | CHF 382.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 435.80 | CHF 405.30 |
| 500 | CHF 424.20 | CHF 394.50 |
| 1'000 | CHF 395.00 | CHF 367.40 |
| 1'500 | CHF 365.80 | CHF 340.20 |
| 2'500 | CHF 307.50 | CHF 286.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.70 | CHF 115.90 |
| 200 | CHF 114.90 | CHF 106.80 |
| 400 | CHF 105.10 | CHF 97.70 |
| 600 | CHF 95.30 | CHF 88.60 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.