KPT CPTwin.easy — Region 3, St. Gallen
Region 3, St. Gallen: the CPTwin.easy model from KPT costs CHF 454.60 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 454.60, CPTwin.easy is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.easy costs CHF 637.20 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 454.60 | CHF 422.80 |
| 500 | CHF 443.00 | CHF 412.00 |
| 1'000 | CHF 413.80 | CHF 384.80 |
| 1'500 | CHF 384.60 | CHF 357.70 |
| 2'500 | CHF 326.30 | CHF 303.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 367.30 | CHF 341.60 |
| 500 | CHF 355.70 | CHF 330.80 |
| 1'000 | CHF 326.50 | CHF 303.60 |
| 1'500 | CHF 297.30 | CHF 276.50 |
| 2'500 | CHF 239.00 | CHF 222.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 104.90 | CHF 97.50 |
| 200 | CHF 94.90 | CHF 88.20 |
| 400 | CHF 84.80 | CHF 78.80 |
| 600 | CHF 74.80 | CHF 69.50 |
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 1
- St. Gallen — Region 2
- 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.