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

Region 3, Lucerne: with KPT, CPTwin.easy costs CHF 452.80 a month in 2026 and KPTwin.smart CHF 430.10, 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 272.40 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 452.80CHF 430.10CHF 272.40
500CHF 441.20CHF 418.50CHF 272.40
1'000CHF 412.00CHF 389.30CHF 272.40
1'500CHF 382.80CHF 360.10CHF 272.40
2'500CHF 324.50CHF 301.80CHF 272.40

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.