Atupri or Mutuel in Region 3 of canton Grisons?
In Region 3, Mutuel is CHF 148.80 a year cheaper than Atupri for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Mutuel comes down to CHF 455.60 a month, Atupri to CHF 468.00. The gap is CHF 148.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to Mutuel is worth CHF 610.80 more a year. vita surselva
Where they stand in the region
Atupri ranks 21 and Mutuel ranks 16, out of 24 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Atupri | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 537.90 | CHF 520.60 | + 17.30 |
| 500 | CHF 526.30 | CHF 509.10 | + 17.20 |
| 1'000 | CHF 497.10 | CHF 480.10 | + 17.00 |
| 1'500 | CHF 467.90 | CHF 450.60 | + 17.30 |
| 2'000 | CHF 438.80 | CHF 421.60 | + 17.20 |
| 2'500 | CHF 409.60 | CHF 392.60 | + 17.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Atupri | Mutuel |
|---|---|---|
| Family doctor | CHF 468.00 | CHF 473.80 |
| Other model | CHF 473.40 | CHF 455.60 |
| Free choice of doctor | CHF 537.90 | CHF 520.60 |
| HMO practice | — | CHF 458.20 |
How they moved in this region
Against 2025, Atupri moves by + 4.4 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.