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CPTwin.plus or CPTwin.win — Region 2, Bern

Region 2, Bern: with KPT, CPTwin.plus costs CHF 534.80 a month in 2026 and CPTwin.win CHF 520.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

CPTwin.win is the cheaper of the two here: CHF 176.40 saved per year against CPTwin.plus, 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 534.80CHF 520.10CHF 176.40
500CHF 523.20CHF 508.50CHF 176.40
1'000CHF 494.00CHF 479.30CHF 176.40
1'500CHF 464.80CHF 450.10CHF 176.40
2'500CHF 406.50CHF 391.80CHF 176.40

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.