KPT CPTwin.plus — Region 3, Bern
Region 3, Bern: the CPTwin.plus model from KPT costs CHF 506.00 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 506.00, CPTwin.plus is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.plus costs CHF 864.00 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 506.00 | CHF 470.60 |
| 500 | CHF 494.40 | CHF 459.80 |
| 1'000 | CHF 465.20 | CHF 432.60 |
| 1'500 | CHF 436.00 | CHF 405.50 |
| 2'500 | CHF 377.70 | CHF 351.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 408.90 | CHF 380.30 |
| 500 | CHF 397.30 | CHF 369.50 |
| 1'000 | CHF 368.10 | CHF 342.30 |
| 1'500 | CHF 338.90 | CHF 315.20 |
| 2'500 | CHF 280.60 | CHF 261.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.60 | CHF 108.40 |
| 200 | CHF 106.80 | CHF 99.30 |
| 400 | CHF 97.00 | CHF 90.20 |
| 600 | CHF 87.30 | CHF 81.10 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.