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CPTwin.plus or CPTwin.win — Region 1, Fribourg

Region 1, Fribourg: with KPT, CPTwin.plus costs CHF 540.90 a month in 2026 and CPTwin.win CHF 579.70, 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 465.60 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 540.90CHF 579.70CHF 465.60
500CHF 529.30CHF 568.10CHF 465.60
1'000CHF 500.10CHF 538.90CHF 465.60
1'500CHF 470.90CHF 509.70CHF 465.60
2'500CHF 412.60CHF 451.40CHF 465.60

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.