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CPTwin.easy or KPTwin.smart — Obwalden

Obwalden: with KPT, CPTwin.easy costs CHF 484.50 a month in 2026 and KPTwin.smart CHF 459.70, 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 297.60 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 484.50CHF 459.70CHF 297.60
500CHF 472.90CHF 448.10CHF 297.60
1'000CHF 443.70CHF 418.90CHF 297.60
1'500CHF 414.50CHF 389.70CHF 297.60
2'500CHF 356.20CHF 331.40CHF 297.60

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.