KPT CPTwin.win — Region 3, St. Gallen
Region 3, St. Gallen: the CPTwin.win model from KPT costs CHF 469.80 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 469.80, CPTwin.win is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, CPTwin.win costs CHF 454.80 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 469.80 | CHF 436.90 |
| 500 | CHF 458.20 | CHF 426.10 |
| 1'000 | CHF 429.00 | CHF 399.00 |
| 1'500 | CHF 399.80 | CHF 371.80 |
| 2'500 | CHF 341.50 | CHF 317.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 378.40 | CHF 351.90 |
| 500 | CHF 366.80 | CHF 341.10 |
| 1'000 | CHF 337.60 | CHF 314.00 |
| 1'500 | CHF 308.40 | CHF 286.80 |
| 2'500 | CHF 250.10 | CHF 232.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 109.70 | CHF 102.00 |
| 200 | CHF 99.30 | CHF 92.30 |
| 400 | CHF 88.80 | CHF 82.50 |
| 600 | CHF 78.20 | CHF 72.70 |
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 1
- St. Gallen — Region 2
- 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.