KPT CPTwin.easy — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the CPTwin.easy model from KPT costs CHF 467.70 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 467.70, CPTwin.easy is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.easy costs CHF 662.40 less per year than KPT's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 467.70 | CHF 435.00 |
| 500 | CHF 456.10 | CHF 424.20 |
| 1'000 | CHF 426.90 | CHF 397.00 |
| 1'500 | CHF 397.70 | CHF 369.90 |
| 2'500 | CHF 339.40 | CHF 315.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 377.70 | CHF 351.30 |
| 500 | CHF 366.10 | CHF 340.50 |
| 1'000 | CHF 336.90 | CHF 313.30 |
| 1'500 | CHF 307.70 | CHF 286.20 |
| 2'500 | CHF 249.40 | CHF 231.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 108.00 | CHF 100.40 |
| 200 | CHF 98.00 | CHF 91.10 |
| 400 | CHF 88.00 | CHF 81.80 |
| 600 | CHF 77.90 | CHF 72.40 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.