Atupri or Mutuel in Region 3 of canton Zurich?
In Region 3, Atupri is CHF 283.20 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 469.00 a month, Mutuel to CHF 492.60. The gap is CHF 283.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Atupri is worth CHF 494.40 more a year. Agrisano
Where they stand in the region
Atupri ranks 15 and Mutuel ranks 20, out of 27 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 528.10 | CHF 569.50 | − 41.40 |
| 500 | CHF 516.50 | CHF 558.00 | − 41.50 |
| 1'000 | CHF 487.30 | CHF 529.00 | − 41.70 |
| 1'500 | CHF 458.10 | CHF 499.50 | − 41.40 |
| 2'000 | CHF 429.00 | CHF 470.50 | − 41.50 |
| 2'500 | CHF 399.80 | CHF 441.50 | − 41.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Atupri | Mutuel |
|---|---|---|
| HMO practice | CHF 469.00 | CHF 501.10 |
| Other model | CHF 470.00 | CHF 492.60 |
| Family doctor | CHF 471.60 | CHF 518.20 |
| Free choice of doctor | CHF 528.10 | CHF 569.50 |
How they moved in this region
Against 2025, Atupri moves by + 5.3 % and Mutuel by + 3.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.