KPT CPTwin.plus — Region 3, St. Gallen
Region 3, St. Gallen: the CPTwin.plus model from KPT costs CHF 435.60 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 435.60, CPTwin.plus is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.plus costs CHF 865.20 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 435.60 | CHF 405.10 |
| 500 | CHF 424.00 | CHF 394.30 |
| 1'000 | CHF 394.80 | CHF 367.20 |
| 1'500 | CHF 365.60 | CHF 340.00 |
| 2'500 | CHF 307.30 | CHF 285.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 353.40 | CHF 328.70 |
| 500 | CHF 341.80 | CHF 317.90 |
| 1'000 | CHF 312.60 | CHF 290.70 |
| 1'500 | CHF 283.40 | CHF 263.60 |
| 2'500 | CHF 225.10 | CHF 209.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 98.80 | CHF 91.80 |
| 200 | CHF 89.40 | CHF 83.10 |
| 400 | CHF 79.90 | CHF 74.30 |
| 600 | CHF 70.40 | CHF 65.40 |
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 2
- 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.