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CPTwin.plus or CPTwin.win — Region 3, Grisons

Region 3, Grisons: with KPT, CPTwin.plus costs CHF 480.70 a month in 2026 and CPTwin.win CHF 513.90, 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 398.40 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 480.70CHF 513.90CHF 398.40
500CHF 469.10CHF 502.30CHF 398.40
1'000CHF 439.90CHF 473.10CHF 398.40
1'500CHF 410.70CHF 443.90CHF 398.40
2'500CHF 352.40CHF 385.60CHF 398.40

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.