KPT KPTwin.smart — Region 2, Vaud
Region 2, Vaud: the KPTwin.smart model from KPT costs CHF 562.50 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 562.50, KPTwin.smart is not the lowest premium here: Assura-Basis goes down to CHF 537.30. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'303.20 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 562.50 | CHF 523.10 |
| 500 | CHF 550.90 | CHF 512.30 |
| 1'000 | CHF 521.70 | CHF 485.20 |
| 1'500 | CHF 492.50 | CHF 458.00 |
| 2'500 | CHF 434.20 | CHF 403.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 455.20 | CHF 423.30 |
| 500 | CHF 443.60 | CHF 412.50 |
| 1'000 | CHF 414.40 | CHF 385.40 |
| 1'500 | CHF 385.20 | CHF 358.20 |
| 2'500 | CHF 326.90 | CHF 304.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 129.00 | CHF 119.90 |
| 200 | CHF 119.70 | CHF 111.30 |
| 400 | CHF 110.40 | CHF 102.60 |
| 600 | CHF 101.00 | CHF 93.90 |
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.