KPTwin.smart
Digital model with GP
With KPTwin.smart digital basic health insurance, your first port of call with any health problem is the symptom checker in the Well app. You then either follow the tool’s recommendation or visit your GP.
The monthly premium depends on age, place of residence and gender. Calculate your premium for 2026 and take out the insurance online in the next step.
How the digital model with GP works
The digital model with GP is an alternative form of basic health insurance. If you are ill, the must be used as your first port of call. This is why you pay a lower premium.
Everything in one app:
receive medical advice, certificates and prescriptions for medication directly in the .
Understand symptoms:
the Well app helps you check your symptoms and advises you what to do next: treat the issue yourself, obtain advice or visit a doctor.
Find specialists:
the service in the Well app helps you find the appropriate medical expert.
Reduce your premiums:
receive an 14 to 20% discount on your monthly .
Consult with GP:
If you have stored your GP in the Well app, you can opt to visit them immediately after using the symptom checker.
What should you do if you fall ill?
If you have KPTwin.smart digital basic health insurance and are ill, always proceed as follows:
1. Check your symptoms:
Your first port of call with any health issue should always be the symptom checker in the . The app will then tell you what to do next.
2. Find out what to do next
The app will advise you what to do next based on your input.
3. Order medication:
If or a doctor recommends prescription medication, purchase this from the online pharmacy.
4. Check your treatment plan:
You can view your treatment plan at any time in the .
What basic health insurance covers
The benefits available with basic health insurance are the same throughout Switzerland and from all health insurers. The insurance covers medically necessary treatments for illness, accident and maternity.
Frequently asked questions
Useful documents
Compare and take out
Digital model with GP
KPTwin.smartWith the digital model, you do everything in the Well app: check symptoms, order medication and consult specialists.
Receive a 14 to 20% discount on your monthly premium compared to the standard model.
HMO model
KPTwin.plusWith the HMO model, you select your preferred network doctor in a doctor's network. You also have access to other medical professionals within the network.
Receive a 10 to 20% discount on your monthly premium compared to the standard model.
GP (family doctor) model
KPTwin.docWith the GP model, your GP is your first point of contact. The Medi24 telemedicine advice centre also offers you advice over the telephone.
Receive a 10 to 22% discount on your monthly premium compared to the standard model.
Telmed model with a GP and pharmacy
KPTwin.winWith the telmed model, you call Medi24, go to your GP practice or visit a partner pharmacy.
Receive a 5 to 20% discount on your monthly premium compared to the standard model.
Medi model
KPTwin.easyWith the Medi model, the Medi24 telemedicine advice centre is your first point of contact. The Zur Rose pharmacy posts your medication to you.
Receive a 10 to 14% discount on your monthly premium compared to the standard model.
Free choice of doctor model
StandardWith the standard model, you have a free choice of doctor anywhere in Switzerland. This flexibility does have its price, but the trade-off is complete freedom.
Reduce your premium by choosing a higher deductible.
The Well app for your health
The Well app is the first port of call for everyone with KPTwin.smart digital basic health insurance. Download the app now.
