KPT CPTwin.win — Appenzell Innerrhoden
Appenzell Innerrhoden: the CPTwin.win model from KPT costs CHF 403.30 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 403.30, CPTwin.win is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.win costs CHF 248.40 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 403.30 | CHF 375.10 |
| 500 | CHF 391.70 | CHF 364.30 |
| 1'000 | CHF 362.50 | CHF 337.10 |
| 1'500 | CHF 333.30 | CHF 310.00 |
| 2'500 | CHF 275.00 | CHF 255.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 324.40 | CHF 301.70 |
| 500 | CHF 312.80 | CHF 290.90 |
| 1'000 | CHF 283.60 | CHF 263.70 |
| 1'500 | CHF 254.40 | CHF 236.60 |
| 2'500 | CHF 196.10 | CHF 182.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 94.80 | CHF 88.10 |
| 200 | CHF 84.00 | CHF 78.10 |
| 400 | CHF 73.10 | CHF 67.90 |
| 600 | CHF 62.20 | CHF 57.80 |
The price, region by region
- Aargau
- 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
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.