KPT CPTwin.win — Region 1, St. Gallen
Region 1, St. Gallen: the CPTwin.win model from KPT costs CHF 532.20 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 532.20, CPTwin.win is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.win costs CHF 538.80 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 532.20 | CHF 494.90 |
| 500 | CHF 520.60 | CHF 484.20 |
| 1'000 | CHF 491.40 | CHF 457.00 |
| 1'500 | CHF 462.20 | CHF 429.80 |
| 2'500 | CHF 403.90 | CHF 375.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 428.40 | CHF 398.40 |
| 500 | CHF 416.80 | CHF 387.60 |
| 1'000 | CHF 387.60 | CHF 360.50 |
| 1'500 | CHF 358.40 | CHF 333.30 |
| 2'500 | CHF 300.10 | CHF 279.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.80 | CHF 116.00 |
| 200 | CHF 114.40 | CHF 106.30 |
| 400 | CHF 103.80 | CHF 96.50 |
| 600 | CHF 93.30 | CHF 86.70 |
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 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- 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.