KPT KPTwin.smart — Region 1, Valais
Region 1, Valais: the KPTwin.smart model from KPT costs CHF 509.70 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 509.70, KPTwin.smart is not the lowest premium here: Atupri goes down to CHF 481.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'143.60 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 509.70 | CHF 474.00 |
| 500 | CHF 498.10 | CHF 463.20 |
| 1'000 | CHF 468.90 | CHF 436.10 |
| 1'500 | CHF 439.70 | CHF 408.90 |
| 2'500 | CHF 381.40 | CHF 354.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 412.90 | CHF 384.00 |
| 500 | CHF 401.30 | CHF 373.20 |
| 1'000 | CHF 372.10 | CHF 346.10 |
| 1'500 | CHF 342.90 | CHF 318.90 |
| 2'500 | CHF 284.60 | CHF 264.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.30 | CHF 108.10 |
| 200 | CHF 106.90 | CHF 99.40 |
| 400 | CHF 97.60 | CHF 90.70 |
| 600 | CHF 88.20 | CHF 82.00 |
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.