CPTwin.win or KPTwin.smart — Region 1, Lucerne
Region 1, Lucerne: with KPT, CPTwin.win costs CHF 550.30 a month in 2026 and KPTwin.smart CHF 503.40, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
KPTwin.smart is the cheaper of the two here: CHF 562.80 saved per year against CPTwin.win, for cover identical under the law. What you pay more or less for is the care pathway.
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 550.30 | CHF 503.40 | CHF 562.80 |
| 500 | CHF 538.70 | CHF 491.80 | CHF 562.80 |
| 1'000 | CHF 509.50 | CHF 462.60 | CHF 562.80 |
| 1'500 | CHF 480.30 | CHF 433.40 | CHF 562.80 |
| 2'500 | CHF 422.00 | CHF 375.10 | CHF 562.80 |
The comparison, region by region
- CPTwin.win or KPTwin.smart?
- 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 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.