KPT CPTwin.easy — Region 1, St. Gallen
Region 1, St. Gallen: the CPTwin.easy model from KPT costs CHF 514.30 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 514.30, CPTwin.easy is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.easy costs CHF 753.60 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 514.30 | CHF 478.30 |
| 500 | CHF 502.70 | CHF 467.50 |
| 1'000 | CHF 473.50 | CHF 440.40 |
| 1'500 | CHF 444.30 | CHF 413.20 |
| 2'500 | CHF 386.00 | CHF 359.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 415.00 | CHF 386.00 |
| 500 | CHF 403.40 | CHF 375.20 |
| 1'000 | CHF 374.20 | CHF 348.00 |
| 1'500 | CHF 345.00 | CHF 320.90 |
| 2'500 | CHF 286.70 | CHF 266.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 119.20 | CHF 110.80 |
| 200 | CHF 109.20 | CHF 101.50 |
| 400 | CHF 99.20 | CHF 92.20 |
| 600 | CHF 89.10 | CHF 82.80 |
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
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- 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.