Skip to content
Sophie

CPTwin.plus or CPTwin.win — Appenzell Innerrhoden

Appenzell Innerrhoden: with KPT, CPTwin.plus costs CHF 379.60 a month in 2026 and CPTwin.win CHF 403.30, 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 284.40 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 379.60CHF 403.30CHF 284.40
500CHF 368.00CHF 391.70CHF 284.40
1'000CHF 338.80CHF 362.50CHF 284.40
1'500CHF 309.60CHF 333.30CHF 284.40
2'500CHF 251.30CHF 275.00CHF 284.40

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.