KPT KPTwin.smart — Schwyz
Schwyz: the KPTwin.smart model from KPT costs CHF 468.60 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 468.60, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 400.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'021.20 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 468.60 | CHF 435.80 |
| 500 | CHF 457.00 | CHF 425.00 |
| 1'000 | CHF 427.80 | CHF 397.90 |
| 1'500 | CHF 398.60 | CHF 370.70 |
| 2'500 | CHF 340.30 | CHF 316.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 380.10 | CHF 353.50 |
| 500 | CHF 368.50 | CHF 342.70 |
| 1'000 | CHF 339.30 | CHF 315.50 |
| 1'500 | CHF 310.10 | CHF 288.40 |
| 2'500 | CHF 251.80 | CHF 234.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 106.40 | CHF 98.90 |
| 200 | CHF 97.10 | CHF 90.30 |
| 400 | CHF 87.80 | CHF 81.60 |
| 600 | CHF 78.40 | CHF 72.90 |
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
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- 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.