CPTwin.easy or CPTwin.win — Region 2, Lucerne
Region 2, Lucerne: with KPT, CPTwin.easy costs CHF 470.80 a month in 2026 and CPTwin.win CHF 486.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
CPTwin.easy is the cheaper of the two here: CHF 190.80 saved per year against CPTwin.win, 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 470.80 | CHF 486.70 | CHF 190.80 |
| 500 | CHF 459.20 | CHF 475.10 | CHF 190.80 |
| 1'000 | CHF 430.00 | CHF 445.90 | CHF 190.80 |
| 1'500 | CHF 400.80 | CHF 416.70 | CHF 190.80 |
| 2'500 | CHF 342.50 | CHF 358.40 | CHF 190.80 |
The comparison, region by region
- CPTwin.easy or CPTwin.win?
- 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
- 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.