KPT CPTwin.easy — Region 3, Lucerne
Region 3, Lucerne: the CPTwin.easy model from KPT costs CHF 452.80 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 452.80, CPTwin.easy is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.easy costs CHF 633.60 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 452.80 | CHF 421.10 |
| 500 | CHF 441.20 | CHF 410.30 |
| 1'000 | CHF 412.00 | CHF 383.20 |
| 1'500 | CHF 382.80 | CHF 356.00 |
| 2'500 | CHF 324.50 | CHF 301.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 365.80 | CHF 340.20 |
| 500 | CHF 354.20 | CHF 329.40 |
| 1'000 | CHF 325.00 | CHF 302.30 |
| 1'500 | CHF 295.80 | CHF 275.10 |
| 2'500 | CHF 237.50 | CHF 220.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 104.50 | CHF 97.10 |
| 200 | CHF 94.50 | CHF 87.80 |
| 400 | CHF 84.40 | CHF 78.40 |
| 600 | CHF 74.40 | CHF 69.10 |
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 2
- 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.