KPT KPTwin.smart — Thurgau
Thurgau: the KPTwin.smart model from KPT costs CHF 467.40 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 467.40, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 429.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'017.60 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 467.40 | CHF 434.70 |
| 500 | CHF 455.80 | CHF 423.90 |
| 1'000 | CHF 426.60 | CHF 396.70 |
| 1'500 | CHF 397.40 | CHF 369.60 |
| 2'500 | CHF 339.10 | CHF 315.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 379.10 | CHF 352.60 |
| 500 | CHF 367.50 | CHF 341.80 |
| 1'000 | CHF 338.30 | CHF 314.60 |
| 1'500 | CHF 309.10 | CHF 287.50 |
| 2'500 | CHF 250.80 | CHF 233.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 106.10 | CHF 98.60 |
| 200 | CHF 96.80 | CHF 90.00 |
| 400 | CHF 87.50 | CHF 81.30 |
| 600 | CHF 78.10 | CHF 72.60 |
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
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
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.