CPTwin.easy or CPTwin.win — Region 3, Bern
Region 3, Bern: with KPT, CPTwin.easy costs CHF 515.00 a month in 2026 and CPTwin.win CHF 497.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
CPTwin.win is the cheaper of the two here: CHF 214.80 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.win is a "Family doctor" model.
- CPTwin.easy
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
- CPTwin.win
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | CPTwin.easy | CPTwin.win | Gap per year |
|---|---|---|---|
| 300 | CHF 515.00 | CHF 497.10 | CHF 214.80 |
| 500 | CHF 503.40 | CHF 485.50 | CHF 214.80 |
| 1'000 | CHF 474.20 | CHF 456.30 | CHF 214.80 |
| 1'500 | CHF 445.00 | CHF 427.10 | CHF 214.80 |
| 2'500 | CHF 386.70 | CHF 368.80 | CHF 214.80 |
The comparison, region by region
- CPTwin.easy or CPTwin.win?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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 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
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.