KPT KPTwin.smart — Region 1, Grisons
Region 1, Grisons: the KPTwin.smart model from KPT costs CHF 460.80 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 460.80, KPTwin.smart is not the lowest premium here: Sanitas goes down to CHF 453.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 997.20 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 460.80 | CHF 428.50 |
| 500 | CHF 449.20 | CHF 417.80 |
| 1'000 | CHF 420.00 | CHF 390.60 |
| 1'500 | CHF 390.80 | CHF 363.40 |
| 2'500 | CHF 332.50 | CHF 309.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 373.70 | CHF 347.50 |
| 500 | CHF 362.10 | CHF 336.80 |
| 1'000 | CHF 332.90 | CHF 309.60 |
| 1'500 | CHF 303.70 | CHF 282.40 |
| 2'500 | CHF 245.40 | CHF 228.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 104.50 | CHF 97.10 |
| 200 | CHF 95.20 | CHF 88.50 |
| 400 | CHF 85.90 | CHF 79.80 |
| 600 | CHF 76.50 | CHF 71.10 |
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
- Fribourg — Region 2
- Geneva
- Glarus
- 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.