CPTwin.easy or CPTwin.win — Region 3, St. Gallen
Region 3, St. Gallen: with KPT, CPTwin.easy costs CHF 454.60 a month in 2026 and CPTwin.win CHF 469.80, 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 182.40 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 454.60 | CHF 469.80 | CHF 182.40 |
| 500 | CHF 443.00 | CHF 458.20 | CHF 182.40 |
| 1'000 | CHF 413.80 | CHF 429.00 | CHF 182.40 |
| 1'500 | CHF 384.60 | CHF 399.80 | CHF 182.40 |
| 2'500 | CHF 326.30 | CHF 341.50 | CHF 182.40 |
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
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- 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.