CPTwin.easy or KPTwin.smart — Region 1, St. Gallen
Region 1, St. Gallen: with KPT, CPTwin.easy costs CHF 514.30 a month in 2026 and KPTwin.smart CHF 487.30, 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 324.00 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
| Deductible | CPTwin.easy | KPTwin.smart | Gap per year |
|---|---|---|---|
| 300 | CHF 514.30 | CHF 487.30 | CHF 324.00 |
| 500 | CHF 502.70 | CHF 475.70 | CHF 324.00 |
| 1'000 | CHF 473.50 | CHF 446.50 | CHF 324.00 |
| 1'500 | CHF 444.30 | CHF 417.30 | CHF 324.00 |
| 2'500 | CHF 386.00 | CHF 359.00 | CHF 324.00 |
The comparison, region by region
- CPTwin.easy or KPTwin.smart?
- 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 2
- St. Gallen — Region 3
- 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.