CSS or Atupri in Region 3 of canton St. Gallen?
In Region 3, Atupri is CHF 38.40 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 443.10 a month, CSS to CHF 446.30. The gap is CHF 38.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to Atupri is worth CHF 498.00 more a year. Agrisano
Where they stand in the region
CSS ranks 11 and Atupri ranks 8, 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 516.00 | CHF 511.10 | + 4.90 |
| 500 | CHF 504.40 | CHF 499.50 | + 4.90 |
| 1'000 | CHF 475.20 | CHF 470.30 | + 4.90 |
| 1'500 | CHF 446.00 | CHF 441.10 | + 4.90 |
| 2'000 | CHF 416.90 | CHF 412.00 | + 4.90 |
| 2'500 | CHF 387.70 | CHF 382.80 | + 4.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Atupri |
|---|---|---|
| Family doctor | CHF 446.30 | CHF 465.10 |
| Other model | CHF 461.80 | CHF 443.10 |
| Free choice of doctor | CHF 516.00 | CHF 511.10 |
| HMO practice | — | CHF 458.50 |
How they moved in this region
Against 2025, CSS moves by + 4.6 % and Atupri by + 5.8 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.