KPT KPTwin.smart — Region 1, St. Gallen
Region 1, St. Gallen: the KPTwin.smart model from KPT costs CHF 487.30 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 487.30, KPTwin.smart is not the lowest premium here: Sanitas goes down to CHF 479.65. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'077.60 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 487.30 | CHF 453.20 |
| 500 | CHF 475.70 | CHF 442.40 |
| 1'000 | CHF 446.50 | CHF 415.20 |
| 1'500 | CHF 417.30 | CHF 388.10 |
| 2'500 | CHF 359.00 | CHF 333.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 395.00 | CHF 367.40 |
| 500 | CHF 383.40 | CHF 356.60 |
| 1'000 | CHF 354.20 | CHF 329.40 |
| 1'500 | CHF 325.00 | CHF 302.30 |
| 2'500 | CHF 266.70 | CHF 248.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 110.90 | CHF 103.10 |
| 200 | CHF 101.70 | CHF 94.50 |
| 400 | CHF 92.30 | CHF 85.80 |
| 600 | CHF 83.00 | CHF 77.10 |
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 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.