CSS or Atupri in Region 1 of canton St. Gallen?
In Region 1, Atupri is CHF 31.20 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 489.30 a month, CSS to CHF 491.90. The gap is CHF 31.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to Atupri is worth CHF 115.80 more a year. Sanitas
Where they stand in the region
CSS ranks 11 and Atupri ranks 10, 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.
| Deductible | CSS | Atupri | Gap |
|---|---|---|---|
| 300 | CHF 572.00 | CHF 559.20 | + 12.80 |
| 500 | CHF 560.40 | CHF 547.60 | + 12.80 |
| 1'000 | CHF 531.20 | CHF 518.40 | + 12.80 |
| 1'500 | CHF 502.00 | CHF 489.20 | + 12.80 |
| 2'000 | CHF 472.90 | CHF 460.10 | + 12.80 |
| 2'500 | CHF 443.70 | CHF 430.90 | + 12.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Atupri |
|---|---|---|
| Family doctor | CHF 491.90 | CHF 512.80 |
| Other model | CHF 517.70 | CHF 489.30 |
| Free choice of doctor | CHF 572.00 | CHF 559.20 |
| HMO practice | — | CHF 500.50 |
How they moved in this region
Against 2025, CSS moves by + 3.5 % and Atupri by + 4.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.