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CPTwin.easy or KPTwin.smart — Region 3, Bern

Region 3, Bern: with KPT, CPTwin.easy costs CHF 515.00 a month in 2026 and KPTwin.smart CHF 488.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

KPTwin.smart is the cheaper of the two here: CHF 322.80 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 and KPTwin.smart are both "Telemedicine and others" models. The exact conditions still differ from one product to the other: ask the insurer before signing.

  • CPTwin.easy

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

  • KPTwin.smart

    Telemedicine and others

    You call a medical service before any consultation, or follow another pathway set by the insurer.

The price at every deductible

DeductibleCPTwin.easyKPTwin.smartGap per year
300CHF 515.00CHF 488.10CHF 322.80
500CHF 503.40CHF 476.50CHF 322.80
1'000CHF 474.20CHF 447.30CHF 322.80
1'500CHF 445.00CHF 418.10CHF 322.80
2'500CHF 386.70CHF 359.80CHF 322.80

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.