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

Region 1, Lucerne: with KPT, CPTwin.plus costs CHF 526.90 a month in 2026 and CPTwin.win CHF 550.30, 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 280.80 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 526.90CHF 550.30CHF 280.80
500CHF 515.30CHF 538.70CHF 280.80
1'000CHF 486.10CHF 509.50CHF 280.80
1'500CHF 456.90CHF 480.30CHF 280.80
2'500CHF 398.60CHF 422.00CHF 280.80

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.