KPT CPTwin.plus — Region 2, Lucerne
Region 2, Lucerne: the CPTwin.plus model from KPT costs CHF 466.80 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 466.80, CPTwin.plus is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.plus costs CHF 716.40 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 466.80 | CHF 434.10 |
| 500 | CHF 455.20 | CHF 423.30 |
| 1'000 | CHF 426.00 | CHF 396.20 |
| 1'500 | CHF 396.80 | CHF 369.00 |
| 2'500 | CHF 338.50 | CHF 314.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 377.30 | CHF 350.90 |
| 500 | CHF 365.70 | CHF 340.10 |
| 1'000 | CHF 336.50 | CHF 312.90 |
| 1'500 | CHF 307.30 | CHF 285.80 |
| 2'500 | CHF 249.00 | CHF 231.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 107.60 | CHF 100.00 |
| 200 | CHF 97.70 | CHF 90.80 |
| 400 | CHF 87.80 | CHF 81.60 |
| 600 | CHF 77.80 | CHF 72.30 |
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 1
- 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.