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

Region 1, Schaffhausen: with KPT, CPTwin.plus costs CHF 527.00 a month in 2026 and KPTwin.smart CHF 503.60, 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 280.80 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

DeductibleCPTwin.plusKPTwin.smartGap per year
300CHF 527.00CHF 503.60CHF 280.80
500CHF 515.40CHF 492.00CHF 280.80
1'000CHF 486.20CHF 462.80CHF 280.80
1'500CHF 457.00CHF 433.60CHF 280.80
2'500CHF 398.70CHF 375.30CHF 280.80

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.