KPT CPTwin.plus — Region 2, St. Gallen
Region 2, St. Gallen: the CPTwin.plus model from KPT costs CHF 452.50 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 452.50, CPTwin.plus is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.plus costs CHF 913.20 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 452.50 | CHF 420.80 |
| 500 | CHF 440.90 | CHF 410.00 |
| 1'000 | CHF 411.70 | CHF 382.90 |
| 1'500 | CHF 382.50 | CHF 355.70 |
| 2'500 | CHF 324.20 | CHF 301.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 366.90 | CHF 341.20 |
| 500 | CHF 355.30 | CHF 330.40 |
| 1'000 | CHF 326.10 | CHF 303.30 |
| 1'500 | CHF 296.90 | CHF 276.10 |
| 2'500 | CHF 238.60 | CHF 221.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 102.80 | CHF 95.60 |
| 200 | CHF 93.50 | CHF 86.90 |
| 400 | CHF 84.00 | CHF 78.10 |
| 600 | CHF 74.60 | CHF 69.30 |
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
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- 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.