KPT CPTwin.plus — Region 1, Lucerne
Region 1, Lucerne: the CPTwin.plus model from KPT costs CHF 526.90 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 526.90, CPTwin.plus is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.plus costs CHF 843.60 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 526.90 | CHF 490.00 |
| 500 | CHF 515.30 | CHF 479.20 |
| 1'000 | CHF 486.10 | CHF 452.10 |
| 1'500 | CHF 456.90 | CHF 424.90 |
| 2'500 | CHF 398.60 | CHF 370.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 425.40 | CHF 395.60 |
| 500 | CHF 413.80 | CHF 384.80 |
| 1'000 | CHF 384.60 | CHF 357.70 |
| 1'500 | CHF 355.40 | CHF 330.50 |
| 2'500 | CHF 297.10 | CHF 276.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 121.90 | CHF 113.30 |
| 200 | CHF 112.10 | CHF 104.20 |
| 400 | CHF 102.10 | CHF 94.90 |
| 600 | CHF 92.20 | CHF 85.70 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- 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 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.