KPT KPTwin.smart — Appenzell Ausserrhoden
Appenzell Ausserrhoden: the KPTwin.smart model from KPT costs CHF 444.00 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 444.00, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 412.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 946.80 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 444.00 | CHF 412.90 |
| 500 | CHF 432.40 | CHF 402.10 |
| 1'000 | CHF 403.20 | CHF 375.00 |
| 1'500 | CHF 374.00 | CHF 347.80 |
| 2'500 | CHF 315.70 | CHF 293.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 360.30 | CHF 335.10 |
| 500 | CHF 348.70 | CHF 324.30 |
| 1'000 | CHF 319.50 | CHF 297.10 |
| 1'500 | CHF 290.30 | CHF 270.00 |
| 2'500 | CHF 232.00 | CHF 215.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 100.50 | CHF 93.40 |
| 200 | CHF 91.20 | CHF 84.80 |
| 400 | CHF 81.90 | CHF 76.10 |
| 600 | CHF 72.50 | CHF 67.40 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- 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.