KPT CPTwin.plus — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the CPTwin.plus model from KPT costs CHF 463.70 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 463.70, CPTwin.plus is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.plus costs CHF 710.40 less per year than KPT's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 463.70 | CHF 431.20 |
| 500 | CHF 452.10 | CHF 420.50 |
| 1'000 | CHF 422.90 | CHF 393.30 |
| 1'500 | CHF 393.70 | CHF 366.10 |
| 2'500 | CHF 335.40 | CHF 311.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 374.80 | CHF 348.60 |
| 500 | CHF 363.20 | CHF 337.80 |
| 1'000 | CHF 334.00 | CHF 310.60 |
| 1'500 | CHF 304.80 | CHF 283.50 |
| 2'500 | CHF 246.50 | CHF 229.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 106.80 | CHF 99.30 |
| 200 | CHF 96.90 | CHF 90.10 |
| 400 | CHF 86.90 | CHF 80.80 |
| 600 | CHF 77.00 | CHF 71.60 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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
- Lucerne — Region 3
- 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
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.