CSS or Atupri in Region 3 of canton Bern?
In Region 3, CSS is CHF 164.40 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
CSS comes down to CHF 497.00 a month, Atupri to CHF 510.70. The gap is CHF 164.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to CSS is worth CHF 594.00 more a year. Agrisano
Where they stand in the region
CSS ranks 14 and Atupri ranks 21, out of 26 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 | CSS | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 570.00 | CHF 583.60 | − 13.60 |
| 500 | CHF 558.40 | CHF 572.00 | − 13.60 |
| 1'000 | CHF 529.20 | CHF 542.80 | − 13.60 |
| 1'500 | CHF 500.00 | CHF 513.60 | − 13.60 |
| 2'000 | CHF 470.90 | CHF 484.50 | − 13.60 |
| 2'500 | CHF 441.70 | CHF 455.30 | − 13.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Atupri |
|---|---|---|
| Family doctor | CHF 497.00 | CHF 525.20 |
| Other model | CHF 513.00 | CHF 510.70 |
| Free choice of doctor | CHF 570.00 | CHF 583.60 |
| HMO practice | — | CHF 513.60 |
How they moved in this region
Against 2025, CSS moves by + 7.8 % and Atupri by + 6.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.