CPTwin.win or KPTwin.smart — Region 3, Zurich
Region 3, Zurich: with KPT, CPTwin.win costs CHF 516.00 a month in 2026 and KPTwin.smart CHF 476.80, 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 470.40 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 516.00 | CHF 476.80 | CHF 470.40 |
| 500 | CHF 504.40 | CHF 465.20 | CHF 470.40 |
| 1'000 | CHF 475.20 | CHF 436.00 | CHF 470.40 |
| 1'500 | CHF 446.00 | CHF 406.80 | CHF 470.40 |
| 2'500 | CHF 387.70 | CHF 348.50 | CHF 470.40 |
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
- 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
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.