Skip to content
Sophie

CPTwin.plus or CPTwin.win — Region 3, St. Gallen

Region 3, St. Gallen: with KPT, CPTwin.plus costs CHF 435.60 a month in 2026 and CPTwin.win CHF 469.80, 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 410.40 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 435.60CHF 469.80CHF 410.40
500CHF 424.00CHF 458.20CHF 410.40
1'000CHF 394.80CHF 429.00CHF 410.40
1'500CHF 365.60CHF 399.80CHF 410.40
2'500CHF 307.30CHF 341.50CHF 410.40

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.