KPT CPTwin.win — Neuchâtel
Neuchâtel: the CPTwin.win model from KPT costs CHF 728.30 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 728.30, CPTwin.win is not the lowest premium here: Visana goes down to CHF 554.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.win costs CHF 542.40 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 728.30 | CHF 677.30 |
| 500 | CHF 716.70 | CHF 666.50 |
| 1'000 | CHF 687.50 | CHF 639.40 |
| 1'500 | CHF 658.30 | CHF 612.20 |
| 2'500 | CHF 600.00 | CHF 558.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 584.50 | CHF 543.60 |
| 500 | CHF 572.90 | CHF 532.80 |
| 1'000 | CHF 543.70 | CHF 505.60 |
| 1'500 | CHF 514.50 | CHF 478.50 |
| 2'500 | CHF 456.20 | CHF 424.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 172.70 | CHF 160.60 |
| 200 | CHF 161.90 | CHF 150.50 |
| 400 | CHF 151.00 | CHF 140.40 |
| 600 | CHF 140.20 | CHF 130.30 |
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
- Lucerne — Region 3
- 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.