KPT KPTwin.smart — Region 3, Lucerne
Region 3, Lucerne: the KPTwin.smart model from KPT costs CHF 430.10 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 430.10, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 414.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 906.00 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 430.10 | CHF 400.00 |
| 500 | CHF 418.50 | CHF 389.20 |
| 1'000 | CHF 389.30 | CHF 362.00 |
| 1'500 | CHF 360.10 | CHF 334.90 |
| 2'500 | CHF 301.80 | CHF 280.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 349.30 | CHF 324.80 |
| 500 | CHF 337.70 | CHF 314.10 |
| 1'000 | CHF 308.50 | CHF 286.90 |
| 1'500 | CHF 279.30 | CHF 259.70 |
| 2'500 | CHF 221.00 | CHF 205.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 97.10 | CHF 90.30 |
| 200 | CHF 87.90 | CHF 81.70 |
| 400 | CHF 78.50 | CHF 73.00 |
| 600 | CHF 69.20 | CHF 64.30 |
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 2
- 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.