KPT KPTwin.smart — Region 1, Schaffhausen
Region 1, Schaffhausen: the KPTwin.smart model from KPT costs CHF 503.60 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 503.60, KPTwin.smart is not the lowest premium here: ÖKK goes down to CHF 480.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'125.60 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 503.60 | CHF 468.30 |
| 500 | CHF 492.00 | CHF 457.60 |
| 1'000 | CHF 462.80 | CHF 430.40 |
| 1'500 | CHF 433.60 | CHF 403.20 |
| 2'500 | CHF 375.30 | CHF 349.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 408.00 | CHF 379.40 |
| 500 | CHF 396.40 | CHF 368.70 |
| 1'000 | CHF 367.20 | CHF 341.50 |
| 1'500 | CHF 338.00 | CHF 314.30 |
| 2'500 | CHF 279.70 | CHF 260.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 114.80 | CHF 106.70 |
| 200 | CHF 105.50 | CHF 98.10 |
| 400 | CHF 96.20 | CHF 89.40 |
| 600 | CHF 86.80 | CHF 80.70 |
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
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- 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.