KPT CPTwin.win — Region 2, Lucerne
Region 2, Lucerne: the CPTwin.win model from KPT costs CHF 486.70 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 486.70, CPTwin.win is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.win costs CHF 477.60 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 486.70 | CHF 452.60 |
| 500 | CHF 475.10 | CHF 441.80 |
| 1'000 | CHF 445.90 | CHF 414.70 |
| 1'500 | CHF 416.70 | CHF 387.50 |
| 2'500 | CHF 358.40 | CHF 333.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 391.90 | CHF 364.50 |
| 500 | CHF 380.30 | CHF 353.70 |
| 1'000 | CHF 351.10 | CHF 326.50 |
| 1'500 | CHF 321.90 | CHF 299.40 |
| 2'500 | CHF 263.60 | CHF 245.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.80 | CHF 105.80 |
| 200 | CHF 103.40 | CHF 96.10 |
| 400 | CHF 92.80 | CHF 86.30 |
| 600 | CHF 82.40 | CHF 76.60 |
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 1
- 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.