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CPTwin.easy or KPTwin.smart — Region 1, Lucerne

Region 1, Lucerne: with KPT, CPTwin.easy costs CHF 531.60 a month in 2026 and KPTwin.smart CHF 503.40, 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 338.40 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 531.60CHF 503.40CHF 338.40
500CHF 520.00CHF 491.80CHF 338.40
1'000CHF 490.80CHF 462.60CHF 338.40
1'500CHF 461.60CHF 433.40CHF 338.40
2'500CHF 403.30CHF 375.10CHF 338.40

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.