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

Region 2, Lucerne: with KPT, CPTwin.plus costs CHF 466.80 a month in 2026 and CPTwin.win CHF 486.70, 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 238.80 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 466.80CHF 486.70CHF 238.80
500CHF 455.20CHF 475.10CHF 238.80
1'000CHF 426.00CHF 445.90CHF 238.80
1'500CHF 396.80CHF 416.70CHF 238.80
2'500CHF 338.50CHF 358.40CHF 238.80

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.