KPT CPTwin.plus — Region 1, St. Gallen
Region 1, St. Gallen: the CPTwin.plus model from KPT costs CHF 491.80 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 491.80, CPTwin.plus is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.plus costs CHF 1'023.60 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 491.80 | CHF 457.40 |
| 500 | CHF 480.20 | CHF 446.60 |
| 1'000 | CHF 451.00 | CHF 419.40 |
| 1'500 | CHF 421.80 | CHF 392.30 |
| 2'500 | CHF 363.50 | CHF 338.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 398.40 | CHF 370.50 |
| 500 | CHF 386.80 | CHF 359.70 |
| 1'000 | CHF 357.60 | CHF 332.60 |
| 1'500 | CHF 328.40 | CHF 305.40 |
| 2'500 | CHF 270.10 | CHF 251.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 112.30 | CHF 104.40 |
| 200 | CHF 102.80 | CHF 95.60 |
| 400 | CHF 93.40 | CHF 86.80 |
| 600 | CHF 83.90 | CHF 78.00 |
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
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- 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.