KPT KPTwin.smart — Obwalden
Obwalden: the KPTwin.smart model from KPT costs CHF 459.70 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 459.70, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 382.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 993.60 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 459.70 | CHF 427.50 |
| 500 | CHF 448.10 | CHF 416.70 |
| 1'000 | CHF 418.90 | CHF 389.60 |
| 1'500 | CHF 389.70 | CHF 362.40 |
| 2'500 | CHF 331.40 | CHF 308.20 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 372.90 | CHF 346.80 |
| 500 | CHF 361.30 | CHF 336.00 |
| 1'000 | CHF 332.10 | CHF 308.90 |
| 1'500 | CHF 302.90 | CHF 281.70 |
| 2'500 | CHF 244.60 | CHF 227.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 104.20 | CHF 96.90 |
| 200 | CHF 95.00 | CHF 88.30 |
| 400 | CHF 85.60 | CHF 79.60 |
| 600 | CHF 76.30 | CHF 70.90 |
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
- Nidwalden
- 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.