KPT CPTwin.doc — Region 1, Lucerne
Region 1, Lucerne: the CPTwin.doc model from KPT costs CHF 498.70 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 498.70, CPTwin.doc is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.doc costs CHF 1'182.00 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 498.70 | CHF 463.80 |
| 500 | CHF 487.10 | CHF 453.00 |
| 1'000 | CHF 457.90 | CHF 425.80 |
| 1'500 | CHF 428.70 | CHF 398.70 |
| 2'500 | CHF 370.40 | CHF 344.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 404.40 | CHF 376.10 |
| 500 | CHF 392.80 | CHF 365.30 |
| 1'000 | CHF 363.60 | CHF 338.10 |
| 1'500 | CHF 334.40 | CHF 311.00 |
| 2'500 | CHF 276.10 | CHF 256.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.30 | CHF 105.30 |
| 200 | CHF 104.10 | CHF 96.80 |
| 400 | CHF 94.90 | CHF 88.20 |
| 600 | CHF 85.60 | CHF 79.60 |
The price, region by region
- 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 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.