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CPTwin.plus or CPTwin.win — Neuchâtel

Neuchâtel: with KPT, CPTwin.plus costs CHF 676.70 a month in 2026 and CPTwin.win CHF 728.30, 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 619.20 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 676.70CHF 728.30CHF 619.20
500CHF 665.10CHF 716.70CHF 619.20
1'000CHF 635.90CHF 687.50CHF 619.20
1'500CHF 606.70CHF 658.30CHF 619.20
2'500CHF 548.40CHF 600.00CHF 619.20

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.