KPT KPTwin.smart — Region 2, Ticino
Region 2, Ticino: the KPTwin.smart model from KPT costs CHF 565.90 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 565.90, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 539.00. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'312.80 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 565.90 | CHF 526.30 |
| 500 | CHF 554.30 | CHF 515.50 |
| 1'000 | CHF 525.10 | CHF 488.30 |
| 1'500 | CHF 495.90 | CHF 461.20 |
| 2'500 | CHF 437.60 | CHF 407.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 457.80 | CHF 425.80 |
| 500 | CHF 446.20 | CHF 415.00 |
| 1'000 | CHF 417.00 | CHF 387.80 |
| 1'500 | CHF 387.80 | CHF 360.70 |
| 2'500 | CHF 329.50 | CHF 306.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 129.80 | CHF 120.70 |
| 200 | CHF 120.50 | CHF 112.00 |
| 400 | CHF 111.10 | CHF 103.30 |
| 600 | CHF 101.80 | CHF 94.60 |
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.