Atupri or Mutuel in Region 1 of canton St. Gallen?
In Region 1, Atupri is CHF 459.60 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Atupri comes down to CHF 489.30 a month, Mutuel to CHF 527.60. The gap is CHF 459.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to Atupri is worth CHF 115.80 more a year. Sanitas
Where they stand in the region
Atupri ranks 10 and Mutuel ranks 19, out of 25 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 559.20 | CHF 602.90 | − 43.70 |
| 500 | CHF 547.60 | CHF 591.40 | − 43.80 |
| 1'000 | CHF 518.40 | CHF 562.40 | − 44.00 |
| 1'500 | CHF 489.20 | CHF 532.90 | − 43.70 |
| 2'000 | CHF 460.10 | CHF 503.90 | − 43.80 |
| 2'500 | CHF 430.90 | CHF 474.90 | − 44.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Atupri | Mutuel |
|---|---|---|
| Other model | CHF 489.30 | CHF 527.60 |
| HMO practice | CHF 500.50 | CHF 530.60 |
| Family doctor | CHF 512.80 | CHF 548.70 |
| Free choice of doctor | CHF 559.20 | CHF 602.90 |
How they moved in this region
Against 2025, Atupri moves by + 4.2 % and Mutuel by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.