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CPTwin.plus or CPTwin.win — Region 1, Vaud

Region 1, Vaud: with KPT, CPTwin.plus costs CHF 640.60 a month in 2026 and CPTwin.win CHF 702.30, 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 740.40 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 640.60CHF 702.30CHF 740.40
500CHF 629.00CHF 690.70CHF 740.40
1'000CHF 599.80CHF 661.50CHF 740.40
1'500CHF 570.60CHF 632.30CHF 740.40
2'500CHF 512.30CHF 574.00CHF 740.40

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.