KPT CPTwin.doc — Region 3, Lucerne
Region 3, Lucerne: the CPTwin.doc model from KPT costs CHF 441.50 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 441.50, CPTwin.doc is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.doc costs CHF 769.20 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 441.50 | CHF 410.60 |
| 500 | CHF 429.90 | CHF 399.80 |
| 1'000 | CHF 400.70 | CHF 372.70 |
| 1'500 | CHF 371.50 | CHF 345.50 |
| 2'500 | CHF 313.20 | CHF 291.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 357.50 | CHF 332.50 |
| 500 | CHF 345.90 | CHF 321.70 |
| 1'000 | CHF 316.70 | CHF 294.50 |
| 1'500 | CHF 287.50 | CHF 267.40 |
| 2'500 | CHF 229.20 | CHF 213.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 100.80 | CHF 93.70 |
| 200 | CHF 91.10 | CHF 84.70 |
| 400 | CHF 81.40 | CHF 75.70 |
| 600 | CHF 71.80 | CHF 66.70 |
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 2
- 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.