KPT CPTwin.win — Region 3, Lucerne
Region 3, Lucerne: the CPTwin.win model from KPT costs CHF 467.90 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 467.90, CPTwin.win is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.win costs CHF 452.40 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 467.90 | CHF 435.10 |
| 500 | CHF 456.30 | CHF 424.40 |
| 1'000 | CHF 427.10 | CHF 397.20 |
| 1'500 | CHF 397.90 | CHF 370.00 |
| 2'500 | CHF 339.60 | CHF 315.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 376.90 | CHF 350.50 |
| 500 | CHF 365.30 | CHF 339.70 |
| 1'000 | CHF 336.10 | CHF 312.60 |
| 1'500 | CHF 306.90 | CHF 285.40 |
| 2'500 | CHF 248.60 | CHF 231.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 109.30 | CHF 101.60 |
| 200 | CHF 98.90 | CHF 91.90 |
| 400 | CHF 88.30 | CHF 82.10 |
| 600 | CHF 77.80 | CHF 72.30 |
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 2
- 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.