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CPTwin.plus or CPTwin.win — Region 2, St. Gallen

Region 2, St. Gallen: with KPT, CPTwin.plus costs CHF 452.50 a month in 2026 and CPTwin.win CHF 488.60, 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 433.20 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 452.50CHF 488.60CHF 433.20
500CHF 440.90CHF 477.00CHF 433.20
1'000CHF 411.70CHF 447.80CHF 433.20
1'500CHF 382.50CHF 418.60CHF 433.20
2'500CHF 324.20CHF 360.30CHF 433.20

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.