KPT CPTwin.win — Region 2, St. Gallen
Region 2, St. Gallen: the CPTwin.win model from KPT costs CHF 488.60 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 488.60, CPTwin.win is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.win costs CHF 480.00 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 488.60 | CHF 454.40 |
| 500 | CHF 477.00 | CHF 443.60 |
| 1'000 | CHF 447.80 | CHF 416.50 |
| 1'500 | CHF 418.60 | CHF 389.30 |
| 2'500 | CHF 360.30 | CHF 335.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 393.40 | CHF 365.90 |
| 500 | CHF 381.80 | CHF 355.10 |
| 1'000 | CHF 352.60 | CHF 327.90 |
| 1'500 | CHF 323.40 | CHF 300.80 |
| 2'500 | CHF 265.10 | CHF 246.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 114.40 | CHF 106.30 |
| 200 | CHF 103.90 | CHF 96.60 |
| 400 | CHF 93.40 | CHF 86.80 |
| 600 | CHF 82.80 | CHF 77.00 |
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 1
- 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.