KPT CPTwin.doc — Region 1, St. Gallen
Region 1, St. Gallen: the CPTwin.doc model from KPT costs CHF 509.80 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 509.80, CPTwin.doc is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.doc costs CHF 807.60 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 509.80 | CHF 474.10 |
| 500 | CHF 498.20 | CHF 463.30 |
| 1'000 | CHF 469.00 | CHF 436.20 |
| 1'500 | CHF 439.80 | CHF 409.00 |
| 2'500 | CHF 381.50 | CHF 354.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 411.70 | CHF 382.90 |
| 500 | CHF 400.10 | CHF 372.10 |
| 1'000 | CHF 370.90 | CHF 344.90 |
| 1'500 | CHF 341.70 | CHF 317.80 |
| 2'500 | CHF 283.40 | CHF 263.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 117.80 | CHF 109.50 |
| 200 | CHF 108.00 | CHF 100.40 |
| 400 | CHF 98.00 | CHF 91.10 |
| 600 | CHF 88.10 | CHF 81.90 |
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 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- 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.