CPTwin.win or KPTwin.smart — Region 2, Bern
Region 2, Bern: with KPT, CPTwin.win costs CHF 520.10 a month in 2026 and KPTwin.smart CHF 520.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here CPTwin.win and KPTwin.smart cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
What you accept in each case
CPTwin.win is a "Family doctor" model. KPTwin.smart is a "Telemedicine and others" model.
- CPTwin.win
Family doctor
You pick a family doctor and always go to them first.
- KPTwin.smart
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | CPTwin.win | KPTwin.smart | Gap per year |
|---|---|---|---|
| 300 | CHF 520.10 | CHF 520.10 | — |
| 500 | CHF 508.50 | CHF 508.50 | — |
| 1'000 | CHF 479.30 | CHF 479.30 | — |
| 1'500 | CHF 450.10 | CHF 450.10 | — |
| 2'500 | CHF 391.80 | CHF 391.80 | — |
The comparison, region by region
- CPTwin.win or KPTwin.smart?
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
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.