KPT KPTwin.smart — Region 3, Bern

Region 3, Bern: the KPTwin.smart model from KPT costs CHF 488.10 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 488.10, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.

On average, KPTwin.smart costs CHF 1'078.80 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.

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.