KPT CPTwin.win — Region 1, Lucerne
Region 1, Lucerne: the CPTwin.win model from KPT costs CHF 550.30 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 550.30, CPTwin.win is not the lowest premium here: Atupri goes down to CHF 451.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.win costs CHF 562.80 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 550.30 | CHF 511.80 |
| 500 | CHF 538.70 | CHF 501.00 |
| 1'000 | CHF 509.50 | CHF 473.80 |
| 1'500 | CHF 480.30 | CHF 446.70 |
| 2'500 | CHF 422.00 | CHF 392.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 442.90 | CHF 411.90 |
| 500 | CHF 431.30 | CHF 401.10 |
| 1'000 | CHF 402.10 | CHF 374.00 |
| 1'500 | CHF 372.90 | CHF 346.80 |
| 2'500 | CHF 314.60 | CHF 292.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 129.10 | CHF 120.00 |
| 200 | CHF 118.70 | CHF 110.30 |
| 400 | CHF 108.10 | CHF 100.50 |
| 600 | CHF 97.60 | CHF 90.70 |
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
- Grisons — Region 3
- Jura
- 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.