KPT CPTwin.win — Region 3, Bern
Region 3, Bern: the CPTwin.win model from KPT costs CHF 497.10 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 497.10, CPTwin.win is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.win costs CHF 970.80 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 497.10 | CHF 462.30 |
| 500 | CHF 485.50 | CHF 451.50 |
| 1'000 | CHF 456.30 | CHF 424.40 |
| 1'500 | CHF 427.10 | CHF 397.20 |
| 2'500 | CHF 368.80 | CHF 343.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 402.30 | CHF 374.10 |
| 500 | CHF 390.70 | CHF 363.40 |
| 1'000 | CHF 361.50 | CHF 336.20 |
| 1'500 | CHF 332.30 | CHF 309.00 |
| 2'500 | CHF 274.00 | CHF 254.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.80 | CHF 105.80 |
| 200 | CHF 104.40 | CHF 97.00 |
| 400 | CHF 94.80 | CHF 88.10 |
| 600 | CHF 85.10 | CHF 79.10 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.