Atupri — Region 3 of canton St. Gallen, 2026 premiums
Atupri covers the 23 municipalities of Region 3 in canton St. Gallen. Its lowest adult premium here is CHF 299.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Atupri ranks 8 out of 25 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 457.98 a month.
What staying costs
Moving from Atupri to Agrisano, the cheapest insurer in this region, saves CHF 498.00 a year for an adult on the same profile.
The full Atupri table
170 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 511.10 | CHF 465.10 | CHF 458.50 | CHF 443.10 |
| 500 | CHF 499.50 | CHF 453.50 | CHF 446.90 | CHF 431.50 |
| 1'000 | CHF 470.30 | CHF 424.30 | CHF 417.70 | CHF 402.30 |
| 1'500 | CHF 441.10 | CHF 395.10 | CHF 388.50 | CHF 373.10 |
| 2'000 | CHF 412.00 | CHF 366.00 | CHF 359.40 | CHF 344.00 |
| 2'500 | CHF 382.80 | CHF 336.80 | CHF 330.20 | CHF 314.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 383.30 | CHF 348.80 | CHF 343.80 | CHF 332.30 |
| 500 | CHF 371.70 | CHF 337.20 | CHF 332.20 | CHF 320.70 |
| 1'000 | CHF 342.50 | CHF 308.00 | CHF 303.00 | CHF 291.50 |
| 1'500 | CHF 313.30 | CHF 278.80 | CHF 273.80 | CHF 262.30 |
| 2'000 | CHF 284.20 | CHF 249.70 | CHF 244.70 | CHF 233.20 |
| 2'500 | CHF 255.00 | CHF 220.50 | CHF 215.50 | CHF 204.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 138.00 | CHF 125.60 | CHF 123.80 | CHF 119.60 |
| 100 | CHF 132.20 | CHF 119.80 | CHF 118.00 | CHF 113.80 |
| 200 | CHF 126.40 | CHF 114.00 | CHF 112.20 | CHF 108.00 |
| 400 | CHF 114.70 | CHF 102.30 | CHF 100.50 | CHF 96.30 |
| 600 | CHF 103.00 | CHF 90.60 | CHF 88.80 | CHF 84.60 |
With or without accident cover
With accident cover: CHF 511.10 a month. Without: CHF 485.50. Dropping it saves CHF 307.20 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 418.80 in 2025 to CHF 299.10 — a rise of 5.8 %.
The 23 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton St. Gallen, not to the municipality.
Altstätten · Balgach · Berneck · Bütschwil-Ganterschwil · Degersheim · Diepoldsau · Ebnat-Kappel · Eichberg · Gams · Grabs · Lichtensteig · Lütisburg · Marbach (SG) · Mosnang · Neckertal · Nesslau · Oberriet (SG) · Rebstein · Rüthi (SG) · Sennwald · Wattwil · Widnau · Wildhaus-Alt St. Johann
The other insurers in Region 3
25 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 401.60 | View |
| SWICA | CHF 431.30 | View |
| KPT | CHF 431.80 | View |
| Galenos | CHF 434.40 | View |
| Assura-Basis | CHF 435.10 | View |
| CONCORDIA | CHF 441.10 | View |
| Helsana | CHF 441.80 | View |
| sana24 | CHF 444.80 | View |
| Sanitas | CHF 445.80 | View |
| CSS | CHF 446.30 | View |
| ÖKK | CHF 447.10 | View |
| Aquilana | CHF 447.80 | View |
| Vivao Sympany | CHF 448.90 | View |
| EGK | CHF 454.50 | View |
| Sumiswalder | CHF 455.00 | View |
| rhenusana | CHF 457.10 | View |
| Mutuel | CHF 464.30 | View |
| vita surselva | CHF 465.50 | View |
| Avenir | CHF 471.40 | View |
| Glarner | CHF 490.50 | View |
| Visana | CHF 505.00 | View |
| SLKK | CHF 506.80 | View |
| Philos | CHF 512.50 | View |
| Einsiedler | CHF 525.95 | View |
Source: Federal Office of Public Health (FOPH), official premiums.