KPT KPTwin.smart — Region 2, Fribourg
Region 2, Fribourg: the KPTwin.smart model from KPT costs CHF 471.00 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 471.00, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 450.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'028.40 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 471.00 | CHF 438.00 |
| 500 | CHF 459.40 | CHF 427.20 |
| 1'000 | CHF 430.20 | CHF 400.10 |
| 1'500 | CHF 401.00 | CHF 372.90 |
| 2'500 | CHF 342.70 | CHF 318.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 382.00 | CHF 355.30 |
| 500 | CHF 370.40 | CHF 344.50 |
| 1'000 | CHF 341.20 | CHF 317.30 |
| 1'500 | CHF 312.00 | CHF 290.20 |
| 2'500 | CHF 253.70 | CHF 235.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 106.90 | CHF 99.40 |
| 200 | CHF 97.70 | CHF 90.80 |
| 400 | CHF 88.30 | CHF 82.10 |
| 600 | CHF 79.00 | CHF 73.40 |
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
- 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.