Skip to content
Sophie

CPTwin.plus or KPTwin.smart — Thurgau

Thurgau: with KPT, CPTwin.plus costs CHF 488.60 a month in 2026 and KPTwin.smart CHF 467.40, 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 254.40 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 488.60CHF 467.40CHF 254.40
500CHF 477.00CHF 455.80CHF 254.40
1'000CHF 447.80CHF 426.60CHF 254.40
1'500CHF 418.60CHF 397.40CHF 254.40
2'500CHF 360.30CHF 339.10CHF 254.40

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.