KPT KPTwin.smart — Aargau
Aargau: the KPTwin.smart model from KPT costs CHF 488.40 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 488.40, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 453.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'080.00 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 488.40 | CHF 454.20 |
| 500 | CHF 476.80 | CHF 443.40 |
| 1'000 | CHF 447.60 | CHF 416.30 |
| 1'500 | CHF 418.40 | CHF 389.10 |
| 2'500 | CHF 360.10 | CHF 334.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 395.80 | CHF 368.10 |
| 500 | CHF 384.20 | CHF 357.30 |
| 1'000 | CHF 355.00 | CHF 330.20 |
| 1'500 | CHF 325.80 | CHF 303.00 |
| 2'500 | CHF 267.50 | CHF 248.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 111.10 | CHF 103.30 |
| 200 | CHF 101.90 | CHF 94.70 |
| 400 | CHF 92.50 | CHF 86.00 |
| 600 | CHF 83.20 | CHF 77.30 |
The price, region by region
- 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
- 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.