CPTwin.easy or CPTwin.plus — Region 3, Lucerne
Region 3, Lucerne: with KPT, CPTwin.easy costs CHF 452.80 a month in 2026 and CPTwin.plus CHF 449.00, 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 45.60 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 452.80 | CHF 449.00 | CHF 45.60 |
| 500 | CHF 441.20 | CHF 437.40 | CHF 45.60 |
| 1'000 | CHF 412.00 | CHF 408.20 | CHF 45.60 |
| 1'500 | CHF 382.80 | CHF 379.00 | CHF 45.60 |
| 2'500 | CHF 324.50 | CHF 320.70 | CHF 45.60 |
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 2
- 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.