KPT KPTwin.smart — Region 2, St. Gallen
Region 2, St. Gallen: the KPTwin.smart model from KPT costs CHF 448.50 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 448.50, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 419.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 961.20 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 448.50 | CHF 417.10 |
| 500 | CHF 436.90 | CHF 406.30 |
| 1'000 | CHF 407.70 | CHF 379.20 |
| 1'500 | CHF 378.50 | CHF 352.00 |
| 2'500 | CHF 320.20 | CHF 297.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 364.00 | CHF 338.50 |
| 500 | CHF 352.40 | CHF 327.70 |
| 1'000 | CHF 323.20 | CHF 300.60 |
| 1'500 | CHF 294.00 | CHF 273.40 |
| 2'500 | CHF 235.70 | CHF 219.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 101.70 | CHF 94.50 |
| 200 | CHF 92.30 | CHF 85.80 |
| 400 | CHF 83.00 | CHF 77.10 |
| 600 | CHF 73.60 | CHF 68.40 |
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 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.