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CPTwin.plus or KPTwin.smart — Schwyz

Schwyz: with KPT, CPTwin.plus costs CHF 489.90 a month in 2026 and KPTwin.smart CHF 468.60, 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 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 489.90CHF 468.60CHF 255.60
500CHF 478.30CHF 457.00CHF 255.60
1'000CHF 449.10CHF 427.80CHF 255.60
1'500CHF 419.90CHF 398.60CHF 255.60
2'500CHF 361.60CHF 340.30CHF 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.