CPTwin.easy or CPTwin.plus — Region 2, Lucerne
Region 2, Lucerne: with KPT, CPTwin.easy costs CHF 470.80 a month in 2026 and CPTwin.plus CHF 466.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
CPTwin.plus is the cheaper of the two here: CHF 48.00 saved per year against CPTwin.easy, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
CPTwin.easy is a "Telemedicine and others" model. CPTwin.plus is a "Group practice (HMO)" model.
- CPTwin.easy
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- CPTwin.plus
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
The price at every deductible
| Deductible | CPTwin.easy | CPTwin.plus | Gap per year |
|---|---|---|---|
| 300 | CHF 470.80 | CHF 466.80 | CHF 48.00 |
| 500 | CHF 459.20 | CHF 455.20 | CHF 48.00 |
| 1'000 | CHF 430.00 | CHF 426.00 | CHF 48.00 |
| 1'500 | CHF 400.80 | CHF 396.80 | CHF 48.00 |
| 2'500 | CHF 342.50 | CHF 338.50 | CHF 48.00 |
The comparison, region by region
- CPTwin.easy or CPTwin.plus?
- 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
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
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.