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CPTwin.plus or CPTwin.win — Region 2, Zurich

Region 2, Zurich: with KPT, CPTwin.plus costs CHF 505.40 a month in 2026 and CPTwin.win CHF 492.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

CPTwin.win is the cheaper of the two here: CHF 159.60 saved per year against CPTwin.plus, 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 505.40CHF 492.10CHF 159.60
500CHF 493.80CHF 480.50CHF 159.60
1'000CHF 464.60CHF 451.30CHF 159.60
1'500CHF 435.40CHF 422.10CHF 159.60
2'500CHF 377.10CHF 363.80CHF 159.60

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.