CPTwin.easy or CPTwin.plus — Region 1, St. Gallen
Region 1, St. Gallen: with KPT, CPTwin.easy costs CHF 514.30 a month in 2026 and CPTwin.plus CHF 491.80, 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 270.00 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 514.30 | CHF 491.80 | CHF 270.00 |
| 500 | CHF 502.70 | CHF 480.20 | CHF 270.00 |
| 1'000 | CHF 473.50 | CHF 451.00 | CHF 270.00 |
| 1'500 | CHF 444.30 | CHF 421.80 | CHF 270.00 |
| 2'500 | CHF 386.00 | CHF 363.50 | CHF 270.00 |
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 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- 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.