KPT KPTwin.smart — Region 3, St. Gallen
Region 3, St. Gallen: the KPTwin.smart model from KPT costs CHF 431.80 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 431.80, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 401.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 910.80 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 431.80 | CHF 401.60 |
| 500 | CHF 420.20 | CHF 390.80 |
| 1'000 | CHF 391.00 | CHF 363.60 |
| 1'500 | CHF 361.80 | CHF 336.50 |
| 2'500 | CHF 303.50 | CHF 282.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 350.60 | CHF 326.10 |
| 500 | CHF 339.00 | CHF 315.30 |
| 1'000 | CHF 309.80 | CHF 288.10 |
| 1'500 | CHF 280.60 | CHF 261.00 |
| 2'500 | CHF 222.30 | CHF 206.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 97.60 | CHF 90.70 |
| 200 | CHF 88.20 | CHF 82.00 |
| 400 | CHF 78.90 | CHF 73.30 |
| 600 | CHF 69.50 | CHF 64.60 |
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
- 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.