CSS or Atupri in Region 1 of canton Fribourg?
In Region 1, Atupri is CHF 186.00 a year cheaper than CSS 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 506.50 a month, CSS to CHF 522.00. The gap is CHF 186.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Vivao Sympany, at CHF 501.10 a month. Moving there rather than to Atupri is worth CHF 64.80 more a year. Vivao Sympany
Where they stand in the region
CSS ranks 14 and Atupri ranks 4, out of 23 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 607.00 | CHF 578.80 | + 28.20 |
| 500 | CHF 595.40 | CHF 567.20 | + 28.20 |
| 1'000 | CHF 566.20 | CHF 538.00 | + 28.20 |
| 1'500 | CHF 537.00 | CHF 508.80 | + 28.20 |
| 2'000 | CHF 507.90 | CHF 479.70 | + 28.20 |
| 2'500 | CHF 478.70 | CHF 450.50 | + 28.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Atupri |
|---|---|---|
| Family doctor | CHF 522.00 | CHF 549.90 |
| Other model | CHF 546.30 | CHF 518.00 |
| Free choice of doctor | CHF 607.00 | CHF 578.80 |
| HMO practice | — | CHF 506.50 |
How they moved in this region
Against 2025, CSS moves by + 3.1 % and Atupri by + 1.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.