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CPTwin.plus or CPTwin.win — Appenzell Ausserrhoden

Appenzell Ausserrhoden: with KPT, CPTwin.plus costs CHF 463.70 a month in 2026 and CPTwin.win CHF 495.30, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

CPTwin.plus is the cheaper of the two here: CHF 379.20 saved per year against CPTwin.win, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

CPTwin.plus is a "Group practice (HMO)" model. CPTwin.win is a "Family doctor" model.

  • CPTwin.plus

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

  • CPTwin.win

    Family doctor

    You pick a family doctor and always go to them first.

The price at every deductible

DeductibleCPTwin.plusCPTwin.winGap per year
300CHF 463.70CHF 495.30CHF 379.20
500CHF 452.10CHF 483.70CHF 379.20
1'000CHF 422.90CHF 454.50CHF 379.20
1'500CHF 393.70CHF 425.30CHF 379.20
2'500CHF 335.40CHF 367.00CHF 379.20

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.