KPT CPTwin.easy — Region 2, Lucerne
Region 2, Lucerne: the CPTwin.easy model from KPT costs CHF 470.80 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 470.80, CPTwin.easy is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.easy costs CHF 668.40 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 470.80 | CHF 437.80 |
| 500 | CHF 459.20 | CHF 427.10 |
| 1'000 | CHF 430.00 | CHF 399.90 |
| 1'500 | CHF 400.80 | CHF 372.70 |
| 2'500 | CHF 342.50 | CHF 318.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 380.20 | CHF 353.60 |
| 500 | CHF 368.60 | CHF 342.80 |
| 1'000 | CHF 339.40 | CHF 315.60 |
| 1'500 | CHF 310.20 | CHF 288.50 |
| 2'500 | CHF 251.90 | CHF 234.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 108.80 | CHF 101.10 |
| 200 | CHF 98.90 | CHF 91.90 |
| 400 | CHF 88.80 | CHF 82.50 |
| 600 | CHF 78.80 | CHF 73.20 |
The price, region by region
- 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 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.