KPT KPTwin.smart — Region 1, Zurich
Region 1, Zurich: the KPTwin.smart model from KPT costs CHF 543.80 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 543.80, KPTwin.smart is not the lowest premium here: Atupri goes down to CHF 517.70. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'246.80 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 543.80 | CHF 505.70 |
| 500 | CHF 532.20 | CHF 494.90 |
| 1'000 | CHF 503.00 | CHF 467.80 |
| 1'500 | CHF 473.80 | CHF 440.60 |
| 2'500 | CHF 415.50 | CHF 386.40 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 440.20 | CHF 409.40 |
| 500 | CHF 428.60 | CHF 398.60 |
| 1'000 | CHF 399.40 | CHF 371.40 |
| 1'500 | CHF 370.20 | CHF 344.30 |
| 2'500 | CHF 311.90 | CHF 290.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 124.50 | CHF 115.70 |
| 200 | CHF 115.10 | CHF 107.00 |
| 400 | CHF 105.70 | CHF 98.30 |
| 600 | CHF 96.40 | CHF 89.60 |
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.