KPT KPTwin.smart — Appenzell Innerrhoden
Appenzell Innerrhoden: the KPTwin.smart model from KPT costs CHF 364.90 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 364.90, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 709.20 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 364.90 | CHF 339.40 |
| 500 | CHF 353.30 | CHF 328.60 |
| 1'000 | CHF 324.10 | CHF 301.40 |
| 1'500 | CHF 294.90 | CHF 274.30 |
| 2'500 | CHF 236.60 | CHF 220.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 311.10 | CHF 289.30 |
| 500 | CHF 299.50 | CHF 278.50 |
| 1'000 | CHF 270.30 | CHF 251.40 |
| 1'500 | CHF 241.10 | CHF 224.20 |
| 2'500 | CHF 182.80 | CHF 170.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 81.60 | CHF 75.80 |
| 200 | CHF 72.30 | CHF 67.20 |
| 400 | CHF 63.00 | CHF 58.50 |
| 600 | CHF 54.90 | CHF 51.00 |
The price, region by region
- Aargau
- 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.