CPTwin.plus or KPTwin.smart?
KPT offers both: CPTwin.plus and KPTwin.smart. They are available together in 39 premium regions, and the cheaper of the two is not the same everywhere.
The cheaper one is not the same everywhere
Across 39 premium regions where both are offered, CPTwin.plus is cheaper in 0 and KPTwin.smart in 35. The average gap between them is CHF 202.89 a year.
The gap is widest in Neuchâtel: CHF 386.40 a year.
What you accept in each case
CPTwin.plus is a "Group practice (HMO)" model. KPTwin.smart is a "Telemedicine and others" model.
- CPTwin.plus
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- KPTwin.smart
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The comparison, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.