CPTwin.plus or KPTwin.smart — Region 1, Lucerne
Region 1, Lucerne: with KPT, CPTwin.plus costs CHF 526.90 a month in 2026 and KPTwin.smart CHF 503.40, 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 282.00 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 526.90 | CHF 503.40 | CHF 282.00 |
| 500 | CHF 515.30 | CHF 491.80 | CHF 282.00 |
| 1'000 | CHF 486.10 | CHF 462.60 | CHF 282.00 |
| 1'500 | CHF 456.90 | CHF 433.40 | CHF 282.00 |
| 2'500 | CHF 398.60 | CHF 375.10 | CHF 282.00 |
The comparison, region by region
- CPTwin.plus or KPTwin.smart?
- 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 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.