KPT CPTwin.plus — Region 3, Lucerne
Region 3, Lucerne: the CPTwin.plus model from KPT costs CHF 449.00 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 449.00, CPTwin.plus is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.plus costs CHF 679.20 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 449.00 | CHF 417.60 |
| 500 | CHF 437.40 | CHF 406.80 |
| 1'000 | CHF 408.20 | CHF 379.60 |
| 1'500 | CHF 379.00 | CHF 352.50 |
| 2'500 | CHF 320.70 | CHF 298.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 363.10 | CHF 337.70 |
| 500 | CHF 351.50 | CHF 326.90 |
| 1'000 | CHF 322.30 | CHF 299.70 |
| 1'500 | CHF 293.10 | CHF 272.60 |
| 2'500 | CHF 234.80 | CHF 218.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 103.20 | CHF 95.90 |
| 200 | CHF 93.40 | CHF 86.80 |
| 400 | CHF 83.40 | CHF 77.50 |
| 600 | CHF 73.50 | CHF 68.30 |
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 2
- 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.