KPT CPTwin.doc — Region 2, Lucerne
Region 2, Lucerne: the CPTwin.doc model from KPT costs CHF 450.80 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 450.80, CPTwin.doc is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.doc costs CHF 908.40 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 450.80 | CHF 419.20 |
| 500 | CHF 439.20 | CHF 408.50 |
| 1'000 | CHF 410.00 | CHF 381.30 |
| 1'500 | CHF 380.80 | CHF 354.10 |
| 2'500 | CHF 322.50 | CHF 299.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 365.50 | CHF 339.90 |
| 500 | CHF 353.90 | CHF 329.10 |
| 1'000 | CHF 324.70 | CHF 302.00 |
| 1'500 | CHF 295.50 | CHF 274.80 |
| 2'500 | CHF 237.20 | CHF 220.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 102.50 | CHF 95.30 |
| 200 | CHF 93.10 | CHF 86.50 |
| 400 | CHF 83.60 | CHF 77.70 |
| 600 | CHF 74.10 | CHF 68.90 |
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 1
- 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.