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

Region 3, Lucerne: with KPT, CPTwin.plus costs CHF 449.00 a month in 2026 and CPTwin.win CHF 467.90, 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 226.80 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 449.00CHF 467.90CHF 226.80
500CHF 437.40CHF 456.30CHF 226.80
1'000CHF 408.20CHF 427.10CHF 226.80
1'500CHF 379.00CHF 397.90CHF 226.80
2'500CHF 320.70CHF 339.60CHF 226.80

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.