KPT CPTwin.win — Region 3, Grisons
Region 3, Grisons: the CPTwin.win model from KPT costs CHF 513.90 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 513.90, CPTwin.win is not the lowest premium here: vita surselva goes down to CHF 404.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.win costs CHF 348.00 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 513.90 | CHF 477.90 |
| 500 | CHF 502.30 | CHF 467.10 |
| 1'000 | CHF 473.10 | CHF 440.00 |
| 1'500 | CHF 443.90 | CHF 412.80 |
| 2'500 | CHF 385.60 | CHF 358.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 412.90 | CHF 384.00 |
| 500 | CHF 401.30 | CHF 373.20 |
| 1'000 | CHF 372.10 | CHF 346.10 |
| 1'500 | CHF 342.90 | CHF 318.90 |
| 2'500 | CHF 284.60 | CHF 264.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 121.20 | CHF 112.70 |
| 200 | CHF 110.50 | CHF 102.70 |
| 400 | CHF 99.60 | CHF 92.60 |
| 600 | CHF 88.80 | CHF 82.50 |
The price, region by region
- 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
- 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.