KPT CPTwin.easy — Appenzell Innerrhoden
Appenzell Innerrhoden: the CPTwin.easy model from KPT costs CHF 382.60 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 382.60, CPTwin.easy is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.easy costs CHF 496.80 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 382.60 | CHF 355.80 |
| 500 | CHF 371.00 | CHF 345.00 |
| 1'000 | CHF 341.80 | CHF 317.90 |
| 1'500 | CHF 312.60 | CHF 290.70 |
| 2'500 | CHF 254.30 | CHF 236.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 311.10 | CHF 289.30 |
| 500 | CHF 299.50 | CHF 278.50 |
| 1'000 | CHF 270.30 | CHF 251.40 |
| 1'500 | CHF 241.10 | CHF 224.20 |
| 2'500 | CHF 182.80 | CHF 170.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 87.70 | CHF 81.50 |
| 200 | CHF 77.70 | CHF 72.20 |
| 400 | CHF 67.60 | CHF 62.80 |
| 600 | CHF 57.60 | CHF 53.50 |
The price, region by region
- Aargau
- 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 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.