KPT KPTwin.smart — Region 1, Ticino
Region 1, Ticino: the KPTwin.smart model from KPT costs CHF 613.30 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 613.30, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 583.90. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'455.60 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 613.30 | CHF 570.40 |
| 500 | CHF 601.70 | CHF 559.60 |
| 1'000 | CHF 572.50 | CHF 532.40 |
| 1'500 | CHF 543.30 | CHF 505.30 |
| 2'500 | CHF 485.00 | CHF 451.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 495.80 | CHF 461.10 |
| 500 | CHF 484.20 | CHF 450.30 |
| 1'000 | CHF 455.00 | CHF 423.20 |
| 1'500 | CHF 425.80 | CHF 396.00 |
| 2'500 | CHF 367.50 | CHF 341.80 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 141.10 | CHF 131.20 |
| 200 | CHF 131.90 | CHF 122.60 |
| 400 | CHF 122.50 | CHF 113.90 |
| 600 | CHF 113.20 | CHF 105.20 |
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.