KPT KPTwin.smart — Nidwalden
Nidwalden: the KPTwin.smart model from KPT costs CHF 421.30 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 421.30, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 385.40. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 878.40 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 421.30 | CHF 391.80 |
| 500 | CHF 409.70 | CHF 381.00 |
| 1'000 | CHF 380.50 | CHF 353.90 |
| 1'500 | CHF 351.30 | CHF 326.70 |
| 2'500 | CHF 293.00 | CHF 272.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 342.10 | CHF 318.20 |
| 500 | CHF 330.50 | CHF 307.40 |
| 1'000 | CHF 301.30 | CHF 280.20 |
| 1'500 | CHF 272.10 | CHF 253.10 |
| 2'500 | CHF 213.80 | CHF 198.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 95.10 | CHF 88.40 |
| 200 | CHF 85.70 | CHF 79.70 |
| 400 | CHF 76.40 | CHF 71.00 |
| 600 | CHF 67.00 | CHF 62.30 |
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
- Lucerne — Region 3
- Neuchâtel
- 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.