KPT KPTwin.smart — Region 2, Lucerne
Region 2, Lucerne: the KPTwin.smart model from KPT costs CHF 446.90 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 446.90, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 425.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 955.20 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 446.90 | CHF 415.60 |
| 500 | CHF 435.30 | CHF 404.80 |
| 1'000 | CHF 406.10 | CHF 377.70 |
| 1'500 | CHF 376.90 | CHF 350.50 |
| 2'500 | CHF 318.60 | CHF 296.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 362.60 | CHF 337.20 |
| 500 | CHF 351.00 | CHF 326.40 |
| 1'000 | CHF 321.80 | CHF 299.30 |
| 1'500 | CHF 292.60 | CHF 272.10 |
| 2'500 | CHF 234.30 | CHF 217.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 101.20 | CHF 94.10 |
| 200 | CHF 92.00 | CHF 85.50 |
| 400 | CHF 82.60 | CHF 76.80 |
| 600 | CHF 73.30 | CHF 68.10 |
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 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- 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.