KPT KPTwin.smart — Region 3, Zurich
Region 3, Zurich: the KPTwin.smart model from KPT costs CHF 476.80 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 476.80, KPTwin.smart is not the lowest premium here: Agrisano goes down to CHF 427.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, KPTwin.smart costs CHF 1'045.20 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 476.80 | CHF 443.40 |
| 500 | CHF 465.20 | CHF 432.60 |
| 1'000 | CHF 436.00 | CHF 405.50 |
| 1'500 | CHF 406.80 | CHF 378.30 |
| 2'500 | CHF 348.50 | CHF 324.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 386.50 | CHF 359.40 |
| 500 | CHF 374.90 | CHF 348.70 |
| 1'000 | CHF 345.70 | CHF 321.50 |
| 1'500 | CHF 316.50 | CHF 294.30 |
| 2'500 | CHF 258.20 | CHF 240.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 108.30 | CHF 100.70 |
| 200 | CHF 99.10 | CHF 92.10 |
| 400 | CHF 89.70 | CHF 83.40 |
| 600 | CHF 80.40 | CHF 74.70 |
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.