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Atupri or Mutuel in Region 3 of canton St. Gallen?

In Region 3, Atupri is CHF 254.40 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 443.10 a month, Mutuel to CHF 464.30. The gap is CHF 254.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to Atupri is worth CHF 498.00 more a year. Agrisano

Where they stand in the region

Atupri ranks 8 and Mutuel ranks 18, 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.

DeductibleAtupriMutuelGap
300CHF 511.10CHF 530.60− 19.50
500CHF 499.50CHF 519.10− 19.60
1'000CHF 470.30CHF 490.10− 19.80
1'500CHF 441.10CHF 460.60− 19.50
2'000CHF 412.00CHF 431.60− 19.60
2'500CHF 382.80CHF 402.60− 19.80

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelAtupriMutuel
Other modelCHF 443.10CHF 464.30
HMO practiceCHF 458.50CHF 466.90
Family doctorCHF 465.10CHF 482.90
Free choice of doctorCHF 511.10CHF 530.60

How they moved in this region

Against 2025, Atupri moves by + 5.8 % and Mutuel by + 4.6 % in this region.

Atupri, Mutuel, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.