CPTwin.win or KPTwin.smart — Region 3, Lucerne
Region 3, Lucerne: with KPT, CPTwin.win costs CHF 467.90 a month in 2026 and KPTwin.smart CHF 430.10, 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 453.60 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 467.90 | CHF 430.10 | CHF 453.60 |
| 500 | CHF 456.30 | CHF 418.50 | CHF 453.60 |
| 1'000 | CHF 427.10 | CHF 389.30 | CHF 453.60 |
| 1'500 | CHF 397.90 | CHF 360.10 | CHF 453.60 |
| 2'500 | CHF 339.60 | CHF 301.80 | CHF 453.60 |
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 1
- Lucerne — Region 2
- 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.