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CPTwin.plus or KPTwin.smart — Region 2, Schaffhausen

Region 2, Schaffhausen: with KPT, CPTwin.plus costs CHF 490.30 a month in 2026 and KPTwin.smart CHF 469.00, 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 255.60 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 490.30CHF 469.00CHF 255.60
500CHF 478.70CHF 457.40CHF 255.60
1'000CHF 449.50CHF 428.20CHF 255.60
1'500CHF 420.30CHF 399.00CHF 255.60
2'500CHF 362.00CHF 340.70CHF 255.60

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.