CPTwin.plus or KPTwin.smart — Region 3, Lucerne
Region 3, Lucerne: with KPT, CPTwin.plus costs CHF 449.00 a month in 2026 and KPTwin.smart CHF 430.10, 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 226.80 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 449.00 | CHF 430.10 | CHF 226.80 |
| 500 | CHF 437.40 | CHF 418.50 | CHF 226.80 |
| 1'000 | CHF 408.20 | CHF 389.30 | CHF 226.80 |
| 1'500 | CHF 379.00 | CHF 360.10 | CHF 226.80 |
| 2'500 | CHF 320.70 | CHF 301.80 | CHF 226.80 |
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 1
- Lucerne — Region 2
- 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.