CPTwin.plus or KPTwin.smart — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with KPT, CPTwin.plus costs CHF 463.70 a month in 2026 and KPTwin.smart CHF 444.00, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
KPTwin.smart is the cheaper of the two here: CHF 236.40 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. 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 price at every deductible
| Deductible | CPTwin.plus | KPTwin.smart | Gap per year |
|---|---|---|---|
| 300 | CHF 463.70 | CHF 444.00 | CHF 236.40 |
| 500 | CHF 452.10 | CHF 432.40 | CHF 236.40 |
| 1'000 | CHF 422.90 | CHF 403.20 | CHF 236.40 |
| 1'500 | CHF 393.70 | CHF 374.00 | CHF 236.40 |
| 2'500 | CHF 335.40 | CHF 315.70 | CHF 236.40 |
The comparison, region by region
- CPTwin.plus or KPTwin.smart?
- Aargau
- Appenzell Innerrhoden
- 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.