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CPTwin.plus or KPTwin.smart — Region 1, Fribourg

Region 1, Fribourg: with KPT, CPTwin.plus costs CHF 540.90 a month in 2026 and KPTwin.smart CHF 516.60, 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 291.60 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. 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

DeductibleCPTwin.plusKPTwin.smartGap per year
300CHF 540.90CHF 516.60CHF 291.60
500CHF 529.30CHF 505.00CHF 291.60
1'000CHF 500.10CHF 475.80CHF 291.60
1'500CHF 470.90CHF 446.60CHF 291.60
2'500CHF 412.60CHF 388.30CHF 291.60

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.