CPTwin.easy or CPTwin.win — Region 3, Lucerne
Region 3, Lucerne: with KPT, CPTwin.easy costs CHF 452.80 a month in 2026 and CPTwin.win CHF 467.90, 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 181.20 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 452.80 | CHF 467.90 | CHF 181.20 |
| 500 | CHF 441.20 | CHF 456.30 | CHF 181.20 |
| 1'000 | CHF 412.00 | CHF 427.10 | CHF 181.20 |
| 1'500 | CHF 382.80 | CHF 397.90 | CHF 181.20 |
| 2'500 | CHF 324.50 | CHF 339.60 | CHF 181.20 |
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 2
- 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.